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Credit insights, dispute strategies, and real success stories from the ASAP Credit Repair team.

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The Ultimate Guide to Improving Your Credit Score

The Ultimate Guide to Improving Your Credit Score

Your credit score is a three-digit number that lenders use to assess your creditworthiness. It is based on information in your credit report, which includes your payment history, debt levels, and leng

Do Not Pay for Credit Repair until you read...

Do Not Pay for Credit Repair until you read...

Do you need Credit Repair? Youve 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, take a minute

The Secret to Getting Free Credit Repair

The Secret to Getting Free Credit Repair

If you're like most people, you probably don'tt 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 credit repair. L

How to remove a Charge off from your Credit Report

How to remove a Charge off from your Credit Report

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 remove a ch

Why its important to Repair your Credit now

Why its important to Repair your Credit now

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'tt save enough for emergencies. Whatever the case may be

Why there are so many different credit scores

Why there are so many different credit scores

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 limit yo

Medical Debt: 2023 Update

Medical Debt: 2023 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 medical collec

In My Credit Mythbusting Era

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 card issu

Balance Transfers: Good or Bad?

Balance Transfers: Good or Bad?

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

Boost or Bust?

Boost or Bust?

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

Student Loans and Your Credit Score

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 in effe

Is Valentine's Day Debt Worth It

Is Valentine's Day Debt Worth It

This year, post quarantine times, spending for Valentines 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 neve

Checking Into Checking Out Your Credit Report

Checking Into Checking Out Your Credit Report

If youre thinking about kicking back and relaxing with a good read, chances are your credit report isnt the first reading material that comes to mind. However, your credit report is a document that yo

How Your Credit Score Affects Your Life

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

Holly Jolly Credit Score Protection

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 awareness and

How To: Pay for Holiday Gifts

How To: Pay for Holiday Gifts

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