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Updated on Feb. 18, 2026

Your credit score is not always up to date. There is often a gap between when new information gets reported and when your score actually reflects it. That gap can hurt you. Especially when you are try...

Updated on Feb. 18, 2026

Yes — you can remove a 30-day late payment from your credit report. It is not easy, and it is not always guaranteed. But it is absolutely possible. You can dispute errors, write goodwill letters, or...

Updated on Feb. 18, 2026

If you opened your credit report and saw Sequium Asset Solutions, confusion starts. Especially if you never heard about this company before. This name shows up when a debt collector buys or collects a...

Updated on Feb. 17, 2026

Home improvements impact your credit profile based on how you finance the project and how you manage the debt afterward. While responsible repayment can strengthen your credit over time, missed paymen...

Updated on Feb. 17, 2026

Leverage in an acquisition means using borrowed money (debt) to buy a company instead of paying fully in cash. The buyer combines their own capital with loans to complete the purchase. This strategy i...

Updated on Feb. 17, 2026

Gurstel Law Firm is a debt collection law firm that sues people over unpaid debts.And yes, they can garnish your wages. But only after they sue you and win a court judgment.If you received a letter fr...

Updated on Feb. 14, 2026

Allied Interstate is a debt collection agency calling because someone claims you owe money.They buy old debts from original creditors. They contact consumers to collect on these accounts. They're pers...

Updated on Feb. 14, 2026

Credit Karma can be useful, but it doesn’t show the full picture lenders see. The scores it displays often differ from real credit scores used by banks and loan companies. This article breaks down t...

Updated on Feb. 14, 2026

Applying for a loan with bad credit can cost you higher interest rates or get you denied altogether. The smart move is to fix credit issues before you apply. That means correcting errors, lowering bal...

Updated on Feb. 12, 2026

Here's what nobody tells you about payment arrangements.They can rescue you from collections. They can also wreck your credit for years.I've spent almost 2 decades in the finance industry, watching pe...

Updated on Feb. 12, 2026

Your credit score is just one piece of the puzzle. I've been in the credit repair industry for over 15 years, and I've seen countless clients with good credit scores get denied for loans.What Lenders ...

Updated on Feb. 10, 2026

Stafford Group and Associates is a debt collection agency that appears on credit reports when unpaid debts are sent to collections. Last year alone, our company handled 183 cases involving Stafford Gr...

Updated on Feb. 10, 2026

Nationwide Capital Services appearing on your credit report means a debt has been sent to this third-party collection agency, and understanding how to respond can prevent serious damage to your credit...

Updated on Feb. 08, 2026

Can your current credit score affect phone plan approvals? Yes, your credit score can affect phone plan approvals with major carriers like Verizon, AT&T, and T-Mobile, especially when signing up f...

Updated on Feb. 08, 2026

Yes, you can get a car loan with bad credit and no down payment, but you'll face significantly higher interest rates, stricter approval requirements, and more expensive overall loan terms than borrowe...

Updated on Feb. 08, 2026

Getting approved for a mortgage with bad credit challenges even financially stable borrowers because lenders view low credit scores as direct indicators of default risk. Your credit score isn't just a...

Updated on Feb. 08, 2026

ATG Credit appearing on your credit report typically means a debt has been sent to collections, but understanding what it is and how to respond can protect your credit score from unnecessary damage. A...

Updated on Feb. 07, 2026

AMCB Collection appearing on your credit report means a debt has been sent to this third-party collection agency, and understanding who they are and how to respond can protect your credit score from f...