by WJA Team | Jun 1, 2026 | Blog
How to Get Creditors and Debt Collectors to Stop Calling You and Your Family Whether you can stop the calls depends on who is calling you. If a third-party debt collector is calling, federal law gives you a clear right to shut it down with a written cease and desist...
by WJA Team | May 19, 2026 | Blog
What Does “Aggressive Credit Repair” Actually Mean and When Does It Backfire? If you’re searching for the most aggressive credit repair company, you’re probably not browsing casually. Something on your credit report isn’t budging. Maybe...
by WJA Team | May 18, 2026 | Blog
Auto Loan Denied: Common Credit Mistakes That Lead to Rejection and How to Fix Them If your auto loan application was denied, the first thing you should do is read the adverse action notice the lender sent you. It lists the specific credit factors that triggered the...
by WJA Team | May 8, 2026 | Blog
Should You Pay Off All Your Debt Before Buying a Home? Sometimes borrowers have a natural inclination to pay off all of their debt in hopes of improving their odds of an approval with favorable conditions. When purchasing a home, paying off debt may slightly improve...
by WJA Team | Apr 26, 2026 | Blog
What Happens When You Send a Cease and Desist Letter to an Original Creditor? Sending a cease and desist letter to an original creditor is not the same as sending one to a third-party debt collector. Most of the advice online treats these as interchangeable...
by WJA Team | Apr 25, 2026 | Blog
What Does “Proportion of Loan Balances to Loan Amounts Is Too High” Mean on Your Credit Report? If your credit report includes the phrase “proportion of loan balances to loan amounts is too high,” that’s FICO Reason Code 03. It means the...
