Blog
Updated on Oct. 31, 2025
BC Services: A Complete Guide to This Debt Collection Agency
BC Services operates as a third-party debt collection agency based in Texas. They purchase charged-off debts from original creditors and attempt to collect on those accounts. I have worked with hundre...
Updated on Oct. 31, 2025
Northern Star Lending: How Defaults Lead to Collections and What You Need to Know
Northern Star Lending sends accounts to collections after 120 to 180 days of non-payment. I run a credit repair company and see this pattern repeatedly. The process starts with a single missed payment...
Updated on Oct. 29, 2025
Capital Mgt Svc: Is It The Same As Capital Management Service?
Wondering if Capital Mgt Svc is the same as Capital Management Services? Yes, it's short for Capital Management Services, a legitimate debt collection agency. Learn who they collect for and how to han...
Updated on Oct. 29, 2025
Credit Repair for First-Time Home Buyers: What Mortgage Lenders Actually Check
If you’re buying your first home, mortgage lenders will review more than just your credit score. They carefully evaluate your payment history, credit utilization, account age, debt-to-income ratio, ...
Updated on Oct. 29, 2025
Late Payments on Credit Report: How Long They Stay and How to Remove Them Early
Late payments on credit report stay for 7 years from the date of the missed payment. This applies to credit cards, loans, and mortgages. The impact fades over time, like recent late payments hurt your...
Updated on Oct. 29, 2025
Credit Repair for Veterans: Special Programs and Benefits You Didn't Know About
Veteran Benefits You Earned But Nobody Told You AboutCredit Repair for Veterans operates in a completely different landscape than standard credit repair. Your military service unlocked benefits that m...
Updated on Oct. 29, 2025
Credit Report Deletions vs Updates: Understanding Permanent Removal and Re-Insertion Rules
"What's the difference between a deletion and an update? And are deletions permanent?"I've answered this question thousands of times. For the past twenty years, we have run a family-owned credit repai...
Updated on Oct. 28, 2025
Credit Repair After Bankruptcy: When to Start and What Works
Credit Repair After Bankruptcy seems impossible when you're staring at a 200 point score drop. I get it. I've sat across from hundreds of clients who thought their financial lives were over.Last mont...
Updated on Oct. 28, 2025
206-922-0880: Is This Amazon or a Scam? Here's What I Found
206-922-0880 showed up on my client's phone last Tuesday. She called me in a panic. "Is Amazon really calling me about fraud?" she asked. She cannot recall any upcoming Amazon order, or any payables.T...
Updated on Oct. 27, 2025
833-228-0525: D2 Management Debt Collector Calls Guide
833-228-0525 appears frequently in consumer complaint databases and search results related to debt collection. I've been in the credit repair industry for over 15 years, and I've seen countless cases ...
Updated on Oct. 25, 2025
What Credit Score Do You Need to Get a Mortgage in Huntington Beach
What You Need to Know Before Buying a Home in Huntington Beach Getting approved for a home in Huntington Beach isn’t about hitting the bare minimum score. You need 700+ to compete and 740+ for ...
Updated on Oct. 24, 2025
Why Your Credit Repair Shows "No Results" - The Truth Behind Common Complaints
Real Credit Repair Is Working — You Just Might Be Looking at It Wrong Most people think credit repair “isn’t working” because they’re watching their score instead of their report. The...
Updated on Oct. 24, 2025
Why Your Credit Score Drops During Disputes: The Technical Explanation
Your Credit Score Drop Isn’t from the Dispute — It’s from Behavior Disputing negative items doesn’t hurt your credit. Score dips during credit repair usually come from high utilization,...
Updated on Oct. 24, 2025
Preventing Failed Transactions: Tips to Avoid Collections from Online Retailers
A Small Failed Payment Can Wreck Your Credit Here’s How to Stop It A single missed or failed online transaction, even something as small as $47, can cost you up to 100 credit ...
Updated on Oct. 23, 2025
What is PRA Group Inc and Why Is It On My Credit Report?
What You Need to Know About PRA Group Inc. If you found PRA Group Inc. on your credit report, it means a past-due account you once owed was sold to this massive debt buyer. They purchase old de...
Updated on Oct. 23, 2025
What to Do If You're Denied a Loan Because of Crown Asset Management
How to Handle Crown Asset Management and Get Approved for Your Loan Crown Asset Management is a legitimate debt buyer and collector that reports unpaid debts to all three major credit burea...
Updated on Oct. 22, 2025
How To Delete Mariner Finance from a Credit Report: Proven Method That Works
How to Delete Mariner Finance from Your Credit Report Yes, it’s absolutely possible to remove a Mariner Finance account, even if the debt is legitimate. The key is using the Metro 2 complian...
Updated on Oct. 22, 2025
What Credit Score Do You Need to Get a Mortgage in Fort Worth
The Real Credit Score You Need for a Fort Worth Mortgage Getting approved for a mortgage in Fort Worth depends heavily on your credit score. Here’s the breakdown: 580+ — Minimum for FHA loan...