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Updated on Nov. 05, 2024

Did you know that over 40 million Americans have debt in collections? That's a staggering number! If you're one of them and Transworld Systems is showing up on your caller ID, you know exactly how str...

Updated on Nov. 05, 2024

Did you know that over 40 million Americans have debt in collections? That's a staggering number! If you're one of them and Transworld Systems is showing up on your caller ID, you know exactly how str...

Updated on Nov. 02, 2024

Have you come across Reddit’s personal finance community?  Credit repair can seem mysterious when you’re just getting started, but trust me—it’s completely doable. I&rsqu...

Updated on Nov. 02, 2024

Is it possible to get a startup business credit card with no credit? Let’s answer that question. Starting a new business is exciting but can also be challenging, especially if you don’t ...

Updated on Nov. 01, 2024

Being contacted by a collection agency like Keystone Collection can ruin your day.  If you’re here, you’re probably dealing with a debt that’s been turned over to collections. ...

Updated on Nov. 01, 2024

If you’re a business owner, freelancer, or side hustler, a Chase business credit card could be the tool you need. It’s a reliable way to manage expenses, build business credit, and un...

Updated on Oct. 25, 2024

Asking for a credit limit increase is a common move for people trying to build their credit or get a bit more financial flexibility.  But one question often comes up: does requesting a credit in...

Updated on Oct. 24, 2024

So, you’re ready to fix your credit but don’t want to do it alone? I’ve been there.  It can feel overwhelming, and that’s where credit repair services come in. Signing ...

Updated on Oct. 24, 2024

Are you struggling to rebuild your credit after facing financial setbacks? Credit repair companies are there to help you improve your credit score.  What do they do? When I first heard about cred...

Updated on Oct. 23, 2024

I remember the first time I got a CCS notice—my heart raced.  Seeing that Credit Collection Services (CCS) was reaching out to collect a debt from me, I instantly felt overwhelmed.  ...

Updated on Oct. 21, 2024

Is it really possible to be out of debt in just a short time? Debt can feel like a dark cloud hanging over your head. You know, that scary feeling when you saw credence caller id appear on your scree...

Updated on Oct. 05, 2024

If you’ve ever asked yourself, “Why did my credit score drop when nothing changed?”, you’re in the right place. One moment, everything seems fine, and the next, your score has dropped—w...

Updated on May. 17, 2024

Tired of fighting credit report errors? AI-powered software is revolutionizing the way disputes are handled, making it easier than ever to clear your credit history's name.Just as AI has revolutionize...

Updated on May. 15, 2024

Oh boy, I am so excited to share my findings on the best credit repair software out there!  As someone who has witnessed people struggle with credit, I know how frustrating and overwhelming it c...

Updated on May. 14, 2024

Secured credit cards are a valuable tool for people looking to build or rebuild their credit history. Unlike traditional credit cards, secured cards require a refundable security deposit, typically eq...

Updated on May. 14, 2024

In today's credit-driven world, a negative mark like 11 Charter Communications on your credit report can be a nightmare. It can be a real head-scratcher, especially if you don't remember any dealings ...

Updated on May. 13, 2024

Have you ever checked your credit score and seen a sudden drop, leaving you wondering, "what happened?"  If you suspect there might be inaccurate information on your credit report, a 609 letter ...

Updated on May. 13, 2024

Looking for a 609 letter template? In our previous post, we talked about how we can use 609 letters to your advantage. Today, I want to share with you how to write those letters by giving out a sample...