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Updated on Mar. 28, 2023

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 ...

Updated on Mar. 26, 2023

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 ...

Updated on Mar. 26, 2023

 If you're looking to improve your credit score, one of the first things you'll want to do is remove any repossessions from your credit report. Unfortunately, this isn't always as easy as it soun...

Updated on Mar. 26, 2023

How does bad credit affect people in El Paso Texas? Bad credit can affect people in El Paso, Texas in a number of ways. Some potential consequences of bad credit may include:Higher borrowing cost...

Updated on Mar. 24, 2023

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...

Updated on Mar. 22, 2023

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...

Updated on Mar. 17, 2023

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...

Updated on Mar. 14, 2023

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...

Updated on Mar. 14, 2023

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...

Updated on Mar. 14, 2023

  If you're like most people, you probably don't have a lot of extra money lying around to spend on credit repair services. That's why so many people are searching for ways to get free credi...

Updated on Mar. 13, 2023

 ‘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...

Updated on Mar. 13, 2023

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

Updated on Mar. 13, 2023

What is Credit Repair?  Credit repair is the process of improving a person's credit score and creditworthiness. This can be done by disputing errors or inaccurate information on a credit rep...

Updated on Mar. 12, 2023

 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...

Updated on Mar. 12, 2023

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...

Updated on Mar. 11, 2023

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...

Updated on Mar. 10, 2023

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...

Updated on Mar. 10, 2023

 With so many different credit scores out there, it's no wonder people are confused about which one to focus on. And with good reason - a bad credit score can lead to higher interest rates and li...

Updated on Mar. 09, 2023

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 ...

Updated on Mar. 08, 2023

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...

Updated on Mar. 08, 2023

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...

Updated on Mar. 07, 2023

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 ...

Updated on Mar. 07, 2023

 If you have a charge off on your credit report, it can negatively impact your credit score and make it difficult to get approved for new loans. Fortunately, there are steps you can take to remov...

Updated on Mar. 06, 2023

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...

Updated on Mar. 06, 2023

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...

Updated on Mar. 05, 2023

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...

Updated on Mar. 05, 2023

 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...

Updated on Mar. 05, 2023

What is a Collection A collection is a type of account that is reported on your credit report when you have failed to pay a creditor or lender the amount that you owe them. When you default on a ...

Updated on Mar. 04, 2023

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...

Updated on Mar. 04, 2023

 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...

Updated on Mar. 04, 2023

 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 ...

Updated on Mar. 02, 2023

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...

Updated on Mar. 02, 2023

 If you're like most people, you probably have some bad financial habits. Maybe you spend too much money on unnecessary things, or maybe you don't save enough for emergencies. Whatever the case m...

Updated on Mar. 01, 2023

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 ...

Updated on Mar. 01, 2023

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 ...

Updated on Mar. 01, 2023

  Are you trying to find a legitimate credit repair company near you? If so, there are a few key points to keep in mind. In order to ensure that you’re working with a reputable business th...

Updated on Feb. 27, 2023

  Do you need Credit Repair? You’ve probably heard of Credit Repair and are wondering who the top Credit Repair companies are. But before you pull out your wallet and pay for Credit Repair...

Updated on Feb. 27, 2023

  Do you want to know the absolute best Credit Repair Tactics you can use to get Guaranteed Credit Repair results? The Short Answer is: 1. The CEO Method 2. Faxed Creditor Disputes...

Updated on Feb. 27, 2023

Here are my top 10 Reasons why you should hire a Credit Repair company in 2023 I also provide more detail for each item listed below. Lack of time or knowledge: Credit repair can be time-con...

Updated on Feb. 26, 2023

 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 ...

Updated on Feb. 26, 2023

 Have you ever wondered what the difference is between a FICO score and a Vantage credit score? If so, you're not alone. Many people don't realize that there are actually two different types of c...

Updated on Feb. 25, 2023

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...

Updated on Feb. 25, 2023

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...

Updated on Feb. 24, 2023

 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...

Updated on Feb. 24, 2023

 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...

Updated on Feb. 24, 2023

 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...

Updated on Feb. 23, 2023

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. ...

Updated on Feb. 23, 2023

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...

Updated on Feb. 22, 2023

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...

Updated on Feb. 22, 2023

 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...

Updated on Feb. 22, 2023

 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...

Updated on Feb. 21, 2023

 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...

Updated on Feb. 19, 2023

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...

Updated on Feb. 19, 2023

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...

Updated on Feb. 18, 2023

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...

Updated on Feb. 17, 2023

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.  ...

Updated on Feb. 15, 2023

  The credit repair companies near you can help unlock your financial freedom. The truth is, all credit repair companies are not the same and some credit repair companies stand out to be muc...

Updated on Feb. 13, 2023

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 ...