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...
by WJA Team | Apr 24, 2026 | Blog
Why Does Every Affirm Purchase Show Up as a Separate Loan on Your Credit Report? If you use Affirm regularly and recently pulled your credit report, you may have noticed something unexpected: every purchase you’ve made through Affirm shows up as its own...
by WJA Team | Apr 23, 2026 | Blog
Why Dropping Out of a Debt Settlement Program Can Get You Sued If you’re considering quitting a debt settlement program after you’ve already enrolled and stopped paying your creditors, you need to understand the position you’re in. It’s the...
by WJA Team | Apr 22, 2026 | Blog
How the FCC’s Call Center Onshoring Decision Affects Credit Repair and Consumer Disputes If you’ve ever called a credit bureau to dispute an error on your report and felt like the person on the other end had no idea what you were talking about,...
by WJA Team | Apr 2, 2026 | Blog
An Old Debt Came Back on my Report – How to Handle it You check your credit report, expecting few surprises, when suddenly you notice it—a debt you thought was long gone has reappeared. That sinking feeling in your stomach is all too common for consumers who...
