Blog
Updated on Nov. 27, 2025
How Your Business Credit Affects Your Ability to Work with Contractors
You need business internet installed. You call a telecommunications contractor for a quote. They ask for your business information to run a credit check. Then they tell you they can't work with you wi...
Updated on Nov. 26, 2025
The Hidden Link Between Identity Fraud and Poor IT Management
When Bad IT Practices Steal Your IdentityIdentity fraud cases hit record numbers in 2024. Over 1.35 trillion victim notices went out from data breaches. However, most people don't realize that behind ...
Updated on Nov. 26, 2025
How to Stop Small Home Issues From Becoming Costly Repairs
When You Can't Afford a $3,000 SurpriseYour bathroom faucet has been dripping for months. You know you should fix it, but you're just trying to make it to the next paycheck. Then one morning, you find...
Updated on Nov. 26, 2025
Everything You Need to Know About Parking Revenue Recovery Services
Parking Revenue Recovery Services appeared on your credit report or sent you a collection notice. Now you're worried and looking for answers.We understand that feeling of uncertainty when a debt colle...
Updated on Nov. 25, 2025
National Asset Management: What You Need To Know About This Debt Collector
National Asset Management is a debt collection agency operating out of Pennsylvania that has likely purchased your unpaid account from the original creditor. If they're on your credit report or callin...
Updated on Nov. 25, 2025
What You Need To Know About Monterey Financial Debt Collector
Monterey Financial is a debt collection agency. If you’re wondering why they’re calling, there’s a good chance (about 90%) that it’s related to a debt they believe you owe. The real questions ...
Updated on Nov. 25, 2025
Credit Score Impact: How Card Stacking Affects Your Score
Card Stacking manipulates your financial decisions by presenting only favorable information while hiding critical facts that could protect your credit score. This propaganda technique shows up everywh...
Updated on Nov. 23, 2025
Who is BC Services: A 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 Nov. 23, 2025
How to Consolidate Debt With a Written Rate-Beat Guarantee
Rate-Beat Guarantee programs can make debt consolidation far less stressful by assuring you’ll secure the lowest possible interest rate, or have your lender match or beat a competitor’s offer in w...
Updated on Nov. 22, 2025
How to Get a Personal Loan With a 630 Credit Score
A 630 credit score opens more doors than you think. You just need to know which doors to knock on. Here's what most people don't realize about having a 630 credit score, well you're not in...
Updated on Nov. 22, 2025
I Paid a Charge Off: Will My Credit Score Increase?
Understanding Paid Charge Offs and Your Credit ScorePaid a charge off on your credit report expecting your score to jump, only to see little or no improvement? You're not alone. Over our 15 years runn...
Updated on Nov. 22, 2025
How to Increase Your 620 Credit Score in 30 Days: Proven Strategies
Raising Your 620 Credit Score FastA 620 credit score sits at the bottom of the "fair" credit range, costing you thousands in higher interest rates and limiting access to quality credit cards, auto loa...
Updated on Nov. 22, 2025
How to Dispute an Inaccurate RentGrow Report
RentGrow tenant screening reports contain rental history, credit data, and eviction records that landlords use to approve or deny your housing application. Errors on these reports, whether incorrect e...
Updated on Nov. 22, 2025
A Guide to How Rise Loans Impact Your Credit Score
Rise Loans reports to all three major credit bureaus, which means every payment you make, or miss, directly impacts your credit score. Over the past 15 years running our family-operated credit repair ...
Updated on Nov. 21, 2025
What Credit Score Do You Need to Buy a Home in Jacksonville FL
What credit score do you need to buy a home in Jacksonville FL? This question determines whether you become a homeowner or stay renting. As someone who has helped hundreds of Jacksonville families qua...
Updated on Nov. 21, 2025
Procedural Violations in Credit Reporting: How Furnishers Break the Law
Procedural violations in credit reporting happen more often than you think. As someone who has spent 15 years fighting credit bureaus and furnishers on behalf of consumers, I have seen thousands of ca...
Updated on Nov. 20, 2025
Why Deleted Credit Accounts Return (and How the FCRA Protects You)
Why deleted credit accounts return and reappearing on my credit report? That’s a common question we get daily. Frustration and fear shows everythis happens.As experts in credit law and reporting, we...
Updated on Nov. 20, 2025
Who Is Rausch Sturm And Why Are They Contacting Me
Rausch Sturm called my phone at 8:47 AM on a Tuesday.I didn't recognize the number. The caller said I owed $3,200 on an old credit card. She mentioned legal action.I run ASAP Credit Repair in Houston....