The WJA Blog
Recent Articles and Stories
Downloadable Guide – What to Do If You’ve Been Served With a Debt Lawsuit
If you’ve been served with a debt lawsuit, taking the right steps early can make all the difference. Learn what to do next and how to protect yourself
Hard Inquiries vs. Soft Inquiries: Which Ones Really Hurt Your Score
Discover how hard and soft credit inquiries differ, their effects on your score, and smart ways to protect your credit.
Can You Be Sued for a Charged-Off Debt? Understanding the Statute of Limitations by State
Understand how charged-off debts can still lead to lawsuits and how the statute of limitations may protect you.
The Impact of Maxed-Out Credit Cards with a $0 Balance the Next Month
Maxing out your credit card, even briefly, can lower your score. Learn how utilization timing impacts your credit and how to protect your financial future.
Why Closed Accounts Affect Your Credit Score – Even If You Paid Them Off
Closing paid-off accounts can lower your credit score by affecting utilization, credit history, and mix. Learn how to protect it.
What Happens When a Creditor Re-Ages a Debt? (And How to Spot If They Did It Wrong)
Improper debt re-aging can damage your credit for years. Learn how to spot it and protect your credit report.