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…
Do You Know What Lenders Look For?
Ready to apply for a loan? Don’t just hope for the best—let’s make sure you walk in prepared. When you’re gearing up to request a loan, it’s like getting ready…
Stop the Cycle: Proven Steps to Raise Your Credit Score Today
Imagine this: You’re at the dealership, ready to get the car you’ve been dreaming about. But instead of excitement, you feel a wave of anxiety as the loan officer checks…
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…