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New Post! Why Credit Repair Is Better Than Settling Debt in 2022

Sep. 21, 2022

Why Credit Repair Is Better Than Settling Debt in 2022


If you're looking for ways to eliminate or settle your debt, and you're doing Google Searches left and right, the number of options that pop up will definitely leave you feeling overwh...

Best Credit Cards for Bad Credit

Sep. 14, 2022

Best Credit Cards for Bad Credit


Bad Credit. You're stuck with a low credit score, making it difficult to get approved for things like a new apartment or take out loans. It can happen to us all, and it ...

How To Remove Late Payments Using The CEO Method

Sep. 09, 2022

How To Remove Late Payments Using The CEO Method


If you've been trying and trying to get a Late Payment removed but just can't seem to make it happen, don't worry, you've come to the right place. This is a guide to the most underrated and M...

Houston Credit Repair: Know your Options

Aug. 31, 2022

Houston Credit Repair: Know your Options


Trying to figure out the best company (much less the best process) to use for repairing your Credit can b...

How to Build Credit for your Child

Aug. 15, 2022

How to Build Credit for your Child


One of the most impactful (and underrated) things you can do to help your kids get ahead in life is to help them establish credit. Helping your child build credit gives...

Credit Repair: All You Need to Know for 2022

Aug. 08, 2022

Credit Repair: All You Need to Know for 2022


Welcome to the most comprehensive and in-depth guide to Credit Repair you'll find on the internet. The best part? This list has absolutely EVERYTHING you need to know abo...

Medical Debt: 2022 Update

Jul. 07, 2022

Medical Debt: 2022 Update


 This summer, the three major credit bureaus, TransUnion, Experian, and Equifax, are making some big changes to their medical collections policy by announcing that they will delete 70% of me...

In My Credit Mythbusting Era

Jun. 30, 2022

In My Credit Mythbusting Era


Myth: You Shouldn't Check Your Credit Score When you check your own credit score, this is known as a soft inquiry and it does not lower your credit score! Hard inquiries, such as a lender or ca...

Debt Validation 101

Jun. 23, 2022

Debt Validation 101


The best way to start dealing with a debt collector is to understand what “debt validation” means. Let’s say you borrowed money from your friend, Mary. Mary would now be known as the original cr...

Balance Transfers: Good or Bad?

May. 10, 2022

Balance Transfers: Good or Bad?


If you’re wondering if shifting some dollar-dollar-bills around will hurt or help your credit, you’re not the only one with this wriggling question. Short answer: with some foresight and maneuveri...

2022 Student Loan Update: Boring, But Good

May. 05, 2022

2022 Student Loan Update: Boring, But Good


 Good news: the Biden administration announced in April that student loans are extended AGAIN! Woo hoo! This time through August. Big bonus: it could boost your credit score.  Here's ho...

Boost or Bust?

Apr. 28, 2022

Boost or Bust?


Experian Boost: Does it really Boost, or is it a Bust? Ah, nothing quite like the sweet scent of excellent credit. That’s exactly what Experian is offering with Experian Boost – a little cred...

Student Loans and Your Credit Score

Feb. 24, 2022

Student Loans and Your Credit Score


 First things first, set a reminder because federal student loans resume repayment on May 1, 2022. Repeat: MAY FIRST, TWENTY TWENTY-TWO. There is currently a federal student loan payment freeze i...

Is Valentine's Day Debt Worth It

Feb. 10, 2022

Is Valentine's Day Debt Worth It


This year, post quarantine times, spending for Valentine’s Day is up a whopping 44% from last year. Whether this is to raise our spirits or quietly rebel against being quarantined last year we may n...

Weird Credit Card Facts and Stats

Jan. 27, 2022

Weird Credit Card Facts and Stats


 There’s not really an expiration date. Sure, it says so on your card, but you could continue using it after the expiration date. The expiration date on your card does fulfill a couple of ...

Checking Into Checking Out Your Credit Report

Jan. 20, 2022

Checking Into Checking Out Your Credit Report


 If you’re thinking about kicking back and relaxing with a good read, chances are your credit report isn’t the first reading material that comes to mind. However, your credit report is a docu...

How Your Credit Score Affects Your Life

Jan. 13, 2022

How Your Credit Score Affects Your Life


Wondering how (or if) this so-called thing called a “credit score” has any impact on your daily life? Unfortunately, credit scores are a very real thing that do indeed affect areas of your life an...

22 Credit Resolutions for 2022

Jan. 06, 2022

22 Credit Resolutions for 2022


 Make a plan to start repaying student loans.Set up automatic bill payments. Pay down balances on your credit cards. Handle any collections debts. Look into getting a secured credi...

7 Financial Resolutions for the New Year

Dec. 30, 2021

7 Financial Resolutions for the New Year


New year, new (financial) goals. Here’s a few financial resolutions to consider for the upcoming new year and some advice on how to achieve them: 1.Save more. There are so many ways y...

All I Want For Christmas (Is A Good Credit Score)

Dec. 23, 2021

All I Want For Christmas (Is A Good Credit Score)


During the holiday season, most of us are busy making lists and checking them twice. We’re thinking about all the shopping, cooking, hosting, and traveling we still have on our plates. We want to ma...

Holly Jolly Credit Score Protection

Dec. 16, 2021

Holly Jolly Credit Score Protection


 It can be challenging, even during the non-holiday season, to keep up healthy spending habits. Throw Christmas into the mix and it can seem like an impossibility. However, with a little awarenes...

How To: Pay for Holiday Gifts

Dec. 09, 2021

How To: Pay for Holiday Gifts


 If holiday spending fills you with more anxiety than cheer, don’t worry, you’re not alone. Nearly 80% of Americans stress out about overspending for Christmas or the holidays, and another su...

Guide To Effective Holiday Credit Repair

Dec. 02, 2021

Guide To Effective Holiday Credit Repair


 Guide to Effective Holiday Credit Repair If the holiday season feels like the worst possible time to for you to be thinking about tackling your credit repair, that’s actually a prett...

Holiday Planning for Credit Score Protection

Nov. 25, 2021

Holiday Planning for Credit Score Protection


 If your credit score doesn’t look like the credit score you really want for Christmas, that’s okay. It’s not too late to plan ahead. You can protect the score you do have and simultaneousl...

4 Unexpected Ways to Use the Holidays for Rebuilding Credit

Nov. 18, 2021

4 Unexpected Ways to Use the Holidays for Rebuilding Credit


 ‘Tis the season to stop assuming your finances (and credit score) have to take a hit during the holidays. You have complete control over your scores and, with a little planning, can protect an...

Tips to Save Money This Thanksgiving

Nov. 11, 2021

Tips to Save Money This Thanksgiving


 This holiday season, while we want to give thanks for the blessings we have, we also want to remember to engage in some financially sound habits to keep the blessings coming for the rest of the ...

Guide to Improve Your Credit by Thanksgiving

Nov. 04, 2021

Guide to Improve Your Credit by Thanksgiving


Thanksgiving is coming up fast and so is the time for celebrating. However, if you have a bad credit score, it is easy to feel like you do not have much to be thankful for. Don’t fret. You can ...

Credit Tricks and Treats

Oct. 28, 2021

Credit Tricks and Treats


Credit Tricks and Treats  Here are a few credit score tricks to keep your credit score from becoming too scary: Make Sure Your Payments Are On TimeDon’t be haunted by a late payment. ...

Can Bad Credit Keep You From Getting A Student Loan

Oct. 21, 2021

Can Bad Credit Keep You From Getting A Student Loan


Can Bad Credit Keep You From Getting A Student Loan? Fortunately, no. Even with bad credit, you’re still able to get student loans. Most federal loans don’t require credit checks, so you...

Make Your Credit Less Scary

Oct. 14, 2021

Make Your Credit Less Scary


Forget the vampires and zombies, damaging your credit is a terrifying thought and improving and maintaining a good credit score isn’t as scary as you think. Here are some tricks to protect your cred...

Avoiding Financial Halloween Horrors

Oct. 07, 2021

Avoiding Financial Halloween Horrors


While Halloween is a fun holiday for dressing up and being spooky, you don’t want to make it TOO scary by going into unnecessary debt. Between the cost of costumes, decorations, and candy, your budg...

Phone Payments and Your Credit Score

Sep. 30, 2021

Phone Payments and Your Credit Score


The Question: Can a late mobile phone payment hurt your credit score? The Answer: Yes, it can influence your score, but it won't happen right away.  ...

How Long Does Credit Repair Take?

Sep. 16, 2021

How Long Does Credit Repair Take?


Short answer: it varies. The length of time credit repair can take depends on several factors. It can be from how many mistakes you’ll need to fix, to what you’re looking accomplish once you have ...

What Credit Score is Needed To Buy a Car?

Sep. 09, 2021

What Credit Score is Needed To Buy a Car?


Your credit score is important when it comes to applying for new loans, but technically, there’s no minimum score needed to be approved for buying a car. A better score can increase your chances of ...

Get Late Payments Removed

Sep. 02, 2021

Get Late Payments Removed


Late payments can happen to anyone. And now you’re wondering how you can get late payments removed from your credit report. Well, ASAP Credit Repair knows how and we’re going to break it down for ...

Common Sense

Aug. 26, 2021

Common Sense


Today we’ve chosen to highlight some basic advice that everyone should follow in order to faster grow your financial wealth. As you read through them, consider if you’ve already adopted these into...

What Score is a Good Score?

Aug. 19, 2021

What Score is a Good Score?


For the most part, scores between 690 and 719 are considered good credit scores. A score higher than 720 is excellent, and ones between 630 and 689 are considered fair. If your score is below 630, tha...

COVID-19 and Your Credit Score

Aug. 12, 2021

COVID-19 and Your Credit Score


Wondering how your credit score is being impacted by the pseudo-apocalypse we’re currently scrambling in?Well, while data is still being collected and it is largely unknown how that affects individu...

When Should I Start Focusing On My Child’s Credit?

Aug. 05, 2021

When Should I Start Focusing On My Child’s Credit?


The short answer is: Right Now.Worried about your kid moving away from home into their New York City apartment on their own? Speculating how you can help make it as easy as possible? Caring about your...

What Is A Soft Pull On My Credit?

Jul. 29, 2021

What Is A Soft Pull On My Credit?


A soft pull, AKA a soft inquiry or soft credit check, is when you or someone you’ve authorized checks your credit report. They can also occur when a company (credit card issuer or mortgage lender) c...

5 Credit Score Factors

Jul. 22, 2021

5 Credit Score Factors


1. Payment HistoryYour payment history is the most important when it comes to your credit score; just one missed payment can derail your score. Lenders want to make sure they can expect on-time paymen...

Student Loan Relief Extension

Jul. 15, 2021

Student Loan Relief Extension


While the Department of Education says not to expect another break, debt relief for student loan borrowers has been extended into 2022.Federal student loan payments and interest were paused to help pe...

7 Easy Steps to Fix Your Credit

Jul. 08, 2021

7 Easy Steps to Fix Your Credit


So, your credit score is lower than you want, and you're interested in working for a higher score but have no idea where to get started? Feeling overwhelmed by the enormity of the credit-raising-task ...

Credit Repair Myths Debunked

Jul. 01, 2021

Credit Repair Myths Debunked


Looking for some credit repair advice? The local Credit Rumor Mill is NOT the place you want to look. We’re here to clear up some bad credit myths and replace them with great credit advice. Let’s ...

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