Blog
Updated on Nov. 18, 2025
What Is Loan Restructuring and Does It Impact Your Credit Report
What is loan restructuring? It's a process where your lender modifies your existing loan terms to help you avoid default when you're struggling financially. Instead of forcing you into foreclosure or ...
Updated on Nov. 18, 2025
UCC 9-609: Your Guide to Secured Party Rights in Repossession
UCC 9-609 grants secured creditors the legal right to take possession of collateral when borrowers default on their loans. This section of the Uniform Commercial Code fundamentally shapes how lenders ...
Updated on Nov. 18, 2025
Who Is Zwicker and Associates: How to Respond to Debt Collection
Zwicker and Associates called my client about an unpaid American Express debt. She brushed it off at first, thinking it was just another collection agency.But it wasn’t.Zwicker and Associates is a d...
Updated on Nov. 16, 2025
The Credit Reset Budget: Aligning Your Spending Habits with Your Score Goals
A credit reset budget is a simple spending plan designed to help you cut unnecessary expenses, pay down debt, and align your money habits with your credit score goals so you can rebuild your credit fa...
Updated on Nov. 16, 2025
How To Ask a Creditor to Verify a Debt: Expert Answers
Verifying a debt is your legal right under the Fair Debt Collection Practices Act, and it's the single most powerful tool for removing collections from your credit report.I'm Joe, your credit repair e...
Updated on Nov. 16, 2025
How to Remove Sunrise Credit Services Group from Your Credit Report
Sunrise Credit Services Group is a debt collection agency based in Melville, New York. They purchase charged-off accounts from original creditors and report them to all three credit bureaus.As the own...
Updated on Nov. 15, 2025
Does Bank of America Sue For Unpaid Debt?
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
How Wells Fargo Card Services Appears on Your Credit Report
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
Remove Oportun Inc from Your Credit Report Fast
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 Removed From Your Credit Report
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
The 3 Financial Mistakes That Landed Your Account in Collections
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
How Fast Can I Increase a 570 Credit Score
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
How the FDCPA Protects You From Abusive Debt Collection Calls
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 on Credit Report
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, or Is It Better to Dispute It?
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
What Happens If You Don’t Pay Your Verizon Bill? Here’s What to Expect
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: How It Affects Your Credit
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
Who Is Sequium Asset Solutions: What You Need to Know
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 ...