by WJA Team | Jun 18, 2025 | Blog
Canceled Debt – Does an IRS 1099-C Mean the Debt Is Gone from Your Report Introduction: Understanding Canceled Debt and Form 1099-C Receiving a Canceled Debt (1099-C) form in the mail can trigger both relief and confusion. This official IRS document indicates...
by WJA Team | Jun 18, 2025 | Blog
How Does Buy Now Pay Later (BNPL) Affect Your Credit Score In recent years, Buy Now Pay Later (BNPL) services have exploded in popularity. You’ve likely seen these options at checkout when shopping online. They promise convenience and flexibility. But how do...
by WJA Team | Jun 18, 2025 | Blog
Denied a Mortgage Due to Credit Issues? Decode Your Denial Letter and Bounce Back That envelope from the mortgage lender sits on your kitchen counter. You already know what’s inside. The rejection stings, especially after weeks of paperwork and anticipation....
by WJA Team | May 25, 2025 | Blog
Student Loan Payments Are Back: Tips to Avoid Credit Damage Now that the Payment Pause Has Ended The days of automatic student loan forbearance have come to an end. After years of payment pauses, borrowers across the nation are facing the reality of monthly student...
by WJA Team | May 25, 2025 | Blog
Understanding the 2025 Medical Bill Rule Change from the CFPB The Consumer Financial Protection Bureau (CFPB) has implemented significant changes to how medical bills are handled on your credit report. These changes, effective since March 2025, represent a major shift...
by WJA Team | May 25, 2025 | Blog
FICO 10T and VantageScore 4.0: What the New Credit Score Models Mean for Your Credit Repair Journey The Changing Landscape of Credit Scoring The world of credit scoring has evolved. Two new models have emerged that could significantly impact your financial future:...
