The Truth About Credit Repair From a Lender’s Perspective
🚫 Let me be completely honest with you; I hate the word “credit repair.” It’s misleading. It sells people the wrong idea. It suggests that credit can be “fixed” the…
Credit Repair Doesn’t Come From Tricks | Here’s What Works (Spring 2025 Update)
Are you prepping to apply for a car loan, a mortgage, or even a new credit card? You might be wasting your time—and possibly setting yourself back—by focusing on credit…
Collection Agencies vs. Debt Buyers: Who Owns Your Debt?
Collection agencies and debt buyers might sound similar, but they play very different roles when it comes to managing debt. If you’re dealing with collection calls, understanding who actually owns…
FICO vs. VantageScore: Understanding Why Your Credit Score Varies
Have you ever felt blindsided by your credit score? You check Credit Karma, feel confident, and then apply for a loan—only to find out your lender sees a much lower…
Credit Education: Understanding, Building, and Managing Your Financial Power
Credit impacts your life every day, whether you realize it or not. From getting a loan for a car to landing a better apartment, your creditworthiness can open doors—or slam…