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Updated on Jul. 25, 2025
Genesis Credit Management: Can You Trust What's on Your Credit Report?
If Genesis Credit Management suddenly showed up on your credit report, it can be alarming. Especially if you don’t recognize the debt. Are they legit? Is it a scam? And what can you do about it?As a...
Updated on Jul. 24, 2025
How TransUnion Credit Score Is Calculated
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Updated on Jul. 24, 2025
Credit Education: What Is Transunion Credit Score?
Your TransUnion credit score is a number between 300–850 that shows how creditworthy you are, based on your credit history reported to TransUnion. It’s calculated using factors like payment histor...
Updated on Jul. 24, 2025
How To Build Credit Without A Credit Card: Your Complete Guide
Blog Overview: You don’t need a credit card to build a solid credit history.Four proven methods:Credit‑builder loans – Make scheduled payments into a locked savings account that’s reported to ...
Updated on Jul. 24, 2025
First Source Federal Credit Union Debt Guide: What You Need to Know
First Source Federal Credit Union is a legitimate lender, not a scam. If they’ve contacted you about debt, verify it before taking action. You have the right to request written proof, dispute errors...
Updated on Jul. 23, 2025
What is The Statute of Limitations On Medical Debt in California
Overview: In California, the statute of limitations on medical debt is 4 years for written contracts and 2 years for oral agreements. This means debt collectors have up to 4 years from the date of you...
Updated on Jul. 23, 2025
Who is Helvey and Associates: Everything You Need To Know
Overview: Helvey & Associates is a debt collection agency from Indiana that contacts consumers about unpaid utility bills, medical debts, and other obligations. You have legal rights including deb...
Updated on Jul. 23, 2025
How to Pay Your Old Navy Credit Card the Right Way (And Avoid Credit Score Damage)
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Updated on Jul. 23, 2025
Fh Cann and Associates on Your Credit Report? Here's What You Need to Know
Quick SummaryFh Cann and Associates is a legitimate debt collection company that's been operating since 1999. If they're on your credit report, you owe (or allegedly owe) money to one of their clients...
Updated on Jul. 22, 2025
How to Remove EOS Group from Your Credit Report (Proven Strategy)
If you've landed here after searching for "EOS Group debt collector" or seeing "EOS CCA" on your credit report, welcome to the collection fighters club! Every week, I hear from dozens of clients confu...
Updated on Jul. 22, 2025
How Long Does Medical Debt Stay On Credit Report & What Can You Do
Medical Debt & Your CreditMedical debt can stay on your credit report for up to 7 years, but it doesn’t always have to. If the debt is inaccurate, unverified, or possibly fraudulent, you can leg...
Updated on Jul. 22, 2025
Understanding IRS Tax Deductions for Medical Expenses
If your out-of-pocket medical costs are more than 7.5% of your income, the IRS may let you deduct them on your taxes using Schedule A. This can save you hundreds or even thousands in taxes. Medical bi...
Updated on Jul. 22, 2025
What’s the Real Reason People Need Credit Repair?
Quick Overview: If you've ever been denied a loan or stuck with high interest rates, your credit report might be to blame, and not for the reasons you think. In this guide, we’ll discuss the real re...
Updated on Jul. 20, 2025
Medical Revenue Service: Complete Consumer Guide 2025
Medical Revenue Service (MRS) is a legitimate third-party medical debt collection agency that works on behalf of hospitals, clinics, and healthcare providers to collect unpaid medical bills. Joe Mahlo...
Updated on Jul. 20, 2025
Sallie Mae Collections: How To Handle Collection Calls and Credit Report Issues
Sallie Mae collections occur when your private student loan payments are 120+ days late, resulting in charged-off debt sent to collection agencies. These collections can stay on your credit report for...
Updated on Jul. 20, 2025
What Is College Ave, Why is It On My Credit Report?
Discover everything you need to know about College Ave Student Loans and why they appear on your credit report. Learn how to manage your credit effectively when dealing with student loan companies.Edi...
Updated on Jul. 18, 2025
What Is TransUnion Credit Score? Expert Guide to Credit Repair & Improvement
Your TransUnion credit score is a three-digit number generated by the credit reporting company TransUnion. It’s based on your credit history and used by lenders to assess how likely you are to repay...
Updated on Jul. 18, 2025
Why Did My Credit Score Drop? 15 Common Reasons & How to Fix Them
You checked your credit score and your heart sank. It dropped 20, 50, or even 100 points seemingly overnight.I've been a credit expert for 15 years, and this is the #1 question I get asked.The good ne...