The Truth About 15 U.S.C. 1692c(C) 

The Art of War for Credit Repair: Strategy Over Strength

Sun Tzu famously said, “If you know the enemy and know yourself, you need not fear the result of a hundred battles.” In the world of credit repair, the enemy is the debt buyer, and the battlefield is the consumer's credit report. Those who rely on outdated strategies, like sending a "refuse to pay" letter, fail to understand the true nature of the fight. Victory does not come from avoiding calls—it comes from making debt buyers retreat entirely by exposing their lack of legal standing...more

Vantage Score Exposed

Understanding Credit Scores: Debunking Myths and Finding Your Real Score

In this video, we’re going to tackle one of the most confusing and misunderstood topics: credit scores. Many people check their scores on apps like Credit Karma or even directly with credit bureaus like TransUnion or Equifax—only to later discover a major difference when applying for a loan.

For example, you might see a 750 credit score on Credit Karma, but when you apply for a mortgage, your lender tells you your score is 150 points lower—a shocking and frustrating experience that happens every day.

By the end of this article, you’ll know exactly where to check your real credit scores—the ones lenders actually use—so you can avoid surprises and position yourself strategically before applying for credit...more