The WJA Blog
Recent Articles and Stories
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.
How Long Does a Settled Collection Stay on Your Credit Report—and Can You Remove It Sooner?
Settled collections stay on your credit report for seven years, but you may remove them sooner with pay-for-delete, goodwill letters, or disputes to rebuild your credit.
How to Remove Fraudulent Accounts and Errors from Your Credit Reports
Protect your credit by identifying, disputing, and removing fraudulent accounts and errors. Restore your financial health and rebuild your credit score with proven steps and persistent follow-up.
Debt Collection Fees – Understanding Interest and Fees Added to Debts in Collection
Debt collection fees and interest can quickly inflate balances. Learn how to identify, dispute, and reduce excessive charges to protect your finances during the collection process.
More Than Your Wallet, Bad Credit Hurts Your Relationships
You might think bad credit is just about money—it’s not. Beyond interest rates and loan rejections, bad credit quietly erodes your relationships with partners, family, and friends through shame, secrecy, and financial limitations.
Renting with Poor Credit: Security Deposits, Co-signers, and The True Cost of Bad Credit for Tenants
Bad credit turns renting into an expensive penalty, forcing you to pay double or triple security deposits, find co-signers, and settle for substandard properties in worse neighborhoods.