The WJA Blog
Recent Articles and Stories
Canceled Debt – Does an IRS 1099-C Mean the Debt Is Gone from Your Report
A 1099-C form signals canceled debt, but it doesn’t erase it from your credit report. Learn how tax and credit reporting differ—and what steps to take next.
How Does Buy Now Pay Later (BNPL) Affect Your Credit Score
Buy Now Pay Later services can help or hurt your credit. Learn how they’re reported, how they impact scores, and how to use them wisely for credit health.
Denied a Mortgage Due to Credit Issues? Decode Your Denial Letter and Bounce Back
Facing a mortgage denial? Learn how to decode your denial letter, address credit issues, and take smart steps toward reapplying and achieving your dream of homeownership.
Student Loan Payments Are Back: Tips to Avoid Credit Damage Now that the Payment Pause Has Ended
Student loan payments have resumed. Learn key strategies to protect your credit score, manage repayments, and navigate this critical transition successfully.
Understanding the 2025 Medical Bill Rule Change from the CFPB
The 2025 CFPB Medical Bill Rule Change removes paid collections, excludes small debts, and gives you more time to resolve issues—helping protect your credit score.
FICO 10T and VantageScore 4.0: What the New Credit Score Models Mean for Your Credit Repair Journey
FICO 10T and VantageScore 4.0 use trended data to assess credit behavior, changing how scores are calculated and offering new strategies for credit repair and improvement.