Blog
Updated on Oct. 07, 2025
How We Deleted 5 Collection Accounts From One Credit Report in 30 Days (Real Case Study)
Summary: How We Deleted 5 Collection Accounts in 30 Days When Marcus (name changed for privacy) came to us he had a credit score of 492 and five collection accounts from major creditors including...
Updated on Oct. 05, 2025
What is PRA Group Inc and Why Is It On My Credit Report?
You checked your credit report and spotted something alarming: PRA Group Inc. listed as a creditor. You don't remember opening an account with them. You've never heard of this company. So why are they...
Updated on Oct. 05, 2025
What Happens If I Don't Pay Verizon? Will They Sue Me?
Not paying your Verizon bill is a financial decision with real consequences.Small but mighty, simple yet complex, unpaid Verizon accounts trigger a series of collection actions and credit report damag...
Updated on Oct. 05, 2025
Does Penn Credit Corporation Show Up on Credit Report? Real Answers Inside
Summary: Handling Penn Credit Corporation the Smart Way 1. Understand What You’re Dealing With Penn Credit Corporation is a third-party debt collector. They report debts to credit bureaus, often ...
Updated on Oct. 05, 2025
What Happens to Unpaid Comcast Bills? Should I Be Worried?
Unpaid Comcast bills follow a specific timeline.If you miss payments, Comcast sends reminders, suspends service, terminates your account, and reports to collections. Each stage happens within predicta...
Updated on Oct. 03, 2025
What Happens If I Ignore TSI Collections?
Summary: Ignoring TSI Collections Calls and letters increase quickly, often 8–10 per day from multiple numbers. TSI contacts relatives, employers, or neighbors to locate you. Negative ma...
Updated on Oct. 03, 2025
Who's Calling From 888-899-6650: Complete Guide to TSI Debt Collection Calls
The phone number 888-899-6650 belongs to Transworld Systems Inc (TSI), one of the largest third-party debt collection agencies operating in the United States. TSI also uses +1 (888) 899-6650 along wit...
Updated on Oct. 01, 2025
Why Is a Collection Agency Calling Me When I Have No Debt?
Dealing With Debt Collectors If you’re getting repeated calls from debt collectors, you’re not alone. Millions of consumers face the same problem every year, whether the debt is legitim...
Updated on Oct. 01, 2025
How 90 Days Delinquencies on Student Loans Slash Your Credit (And What to Do)
Student Loan 90-Day Delinquency: Credit Score Disaster & Recovery GuideYour student loan just hit 90 days past due, and your credit score is plunging. At ASAP Credit Repair, we’ve seen a massive...
Updated on Oct. 01, 2025
888-899-6650: Complete Guide to TSI Debt Collection Calls
✅ Summary: How to Handle Calls from 888-899-6650 Transworld Systems Inc (TSI) is a legitimate debt collector, but they have a long history of complaints and consumer protection violations. If you...
Updated on Sep. 30, 2025
How Apartment Evictions in Texas Show Up on Your Credit Report and What You Can Do
Apartment Evictions in Texas: Credit Impact & Recovery Evictions in Texas don’t just end when you hand back the keys. They can leave behind long-lasting credit damage. While eviction court re...
Updated on Sep. 30, 2025
Lis Pendens Meaning: Complete Guide to Real Estate Legal Notices
Lis Pendens Meaning: Complete Guide for Homeowners & Buyers A lis pendens (“suit pending”) is more than a legal phrase. It’s a powerful tool that can freeze property transactions, prote...
Updated on Sep. 30, 2025
What Is Tenant Screening and Why Landlords Do It
Ever come across the term “tenant screening”? It’s more important now than ever. Why Tenant Screening Protects Your Wealth Ever come across the term “tenant screening”? It’s more impor...
Updated on Sep. 28, 2025
What Is a Student Debt Calculator and How Accurate Is It? (Everything You Need to Know)
Student Debt Calculators: What They Do (and what they miss) Calculators give fast monthly-payment estimates based on balance, interest rate, and term. Great for planning! But they can’t predi...
Updated on Sep. 28, 2025
Can You Get a Cell Phone Contract With Bad Credit? What to Expect and Your Best Options
📱 Can You Get a Cell Phone Contract with Bad Credit?Yes, but it’s not simple or cheap. Cell phone companies treat contracts like small loans, so a low credit score signals high risk. If your scor...
Updated on Sep. 27, 2025
What Is the Usual Credit Card Limit for Someone With a 400 Credit Score?
Surviving a 400 Credit ScoreA 400 credit score is considered “very poor” and puts you in the bottom 16% of Americans.Expect tiny credit limits (often $150–$500) and high fees if you’re approve...
Updated on Sep. 27, 2025
Public Service Loan Forgiveness (PSLF): How It Works, Who Qualifies, and Common Mistakes to Avoid
PSLF at a Glance Public Service Loan Forgiveness (PSLF) was created to reward teachers, nurses, nonprofit staff, and other public-service workers by erasing federal student loan debt after 120 qual...
Updated on Sep. 26, 2025
Why Banks Charge Overdraft Fees, And How Justifying Them Is Fading
The Overdraft Fee Crisis: How Banks Profit From People Who Can Least Afford It Banks collected billions from overdraft/NSF fees in 2024. These are fees that hit low-income households hardest. B...