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Updated on Nov. 15, 2025

Bank of America sues for unpaid debt more aggressively than almost any major bank in America.Last week, a client called me panicking. She ignored a $4,800 Bank of America credit card debt for 11 month...

Updated on Nov. 15, 2025

Wells Fargo Card Services manages one of the largest credit card portfolios in America. When you open a Wells Fargo credit card, the account immediately starts reporting to all three major credit bure...

Updated on Nov. 15, 2025

Oportun Inc is a financial services company that provides personal loans and credit cards to consumers, often targeting those with limited credit history or lower credit scores.Founded to serve underb...

Updated on Nov. 15, 2025

Can multiple collections be deleted from your credit report? I get this question every single day.Yesterday morning, a woman called my office. Her voice was tired, defeated. "I have five collections d...

Updated on Nov. 13, 2025

Having an account in collections isn't the result of bad luck or a single oversight. It's the culmination of specific financial mistakes that compound over time.I've analyzed 892 cases of accounts tha...

Updated on Nov. 13, 2025

A 570 credit score can rise to 650+ within just 3–6 months. This is if you take the right actions immediately.At ASAP Credit Repair, we’ve helped thousands of Texans rebuild their credit faster th...

Updated on Nov. 13, 2025

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive, harassing, or deceptive practices by debt collectors. It sets clear rules on how collectors ...

Updated on Nov. 13, 2025

How to remove a Capital One Collections from a credit report comes down to five proven strategies that have worked for me. This is based on  347 real client data I've tracked between 2020 and 202...

Updated on Nov. 13, 2025

Should I Pay Off a Debt in Collections? This is a question many people face after getting that dreaded collection notice. Paying it off might seem like the responsible thing to do, but it’s not alwa...

Updated on Nov. 12, 2025

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 Nov. 12, 2025

Charge off meaning is straightforward: it's an accounting term used when a creditor writes off your unpaid debt as a loss after you've failed to make payments for a certain period, typically 180 days ...

Updated on Nov. 12, 2025

Sequium Asset Solutions is a debt collection agency that contacts consumers about unpaid accounts on behalf of creditors and financial institutions. Whether you’ve received a letter, phone call, or ...

Updated on Nov. 12, 2025

Tripoint Lending calls can catch you off guard, especially if you don't recognize the name. Your phone rings with an unfamiliar number, and suddenly you're wondering: Is this legitimate?If you've rece...

Updated on Nov. 10, 2025

What happens to your car loan if your vehicle gets flooded? This is something every car owner with financing needs to understand before disaster strikes.I'm going to show you exactly what happens when...

Updated on Nov. 10, 2025

Missing a mortgage payment triggers a cascade of financial consequences that start immediately and compound rapidly if left unaddressed. I run the largest credit repair company in Texas, and over the ...

Updated on Nov. 09, 2025

Ent Credit Union reports to all three major credit bureaus, Experian, Equifax, and TransUnion, every month without exception. I know this because I've personally reviewed 147 credit reports from Ent C...

Updated on Nov. 09, 2025

Bridgecrest reports to all three major credit bureaus, Experian, Equifax, and TransUnion, every single month. I've reviewed 183 credit reports containing Bridgecrest auto loans over the past four year...

Updated on Nov. 08, 2025

A 670 credit score sits at the bottom of the "good" credit range, close enough to excellent credit that strategic moves can push you into the 740+ zone within 90-180 days. I've helped close to 70K ind...