credit repair Archives - Page 3 of 4

Can You Have a 700 Credit Score With Collections?

The short answer is yes — a 700 credit score with collections on your report is possible. I’ve seen buyer profiles come through with exactly this situation: one or two old collections, otherwise clean payment history, decent account age, and a score sitting in the 690–720 range. It’s not ideal, and there are real limitations once you get to the underwriting stage of a mortgage or auto loan, but the number itself is achievable. Here’s what actually determines whether collections tank your score below 700 or don’t.

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Income Based Loans: What They Are and Who Can Actually Use Them

The phrase income based loans gets used to describe two pretty different things: student loan repayment plans set by the federal government, and alternative personal loans where the lender puts heavier weight on your income than your credit score when deciding to approve you. Both are legitimate uses of the term. This post focuses on the personal loan version — what it means when a lender says they evaluate your income rather than your credit, and whether that’s actually a good deal.

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Sent to Collections Without Notice: What That Means for Your Credit

One of the more disorienting credit situations people describe is checking their report and finding a collection account they didn’t see coming — no warning letter, no phone call, just a collection showing up on all three bureaus. It happens. Whether it’s a legitimate notification failure or a legitimate debt you genuinely forgot about, the outcome is the same: a collection dragging your score down and sitting there for up to seven years. This post covers what to do when you’ve been sent to collections without notice and what your rights actually are.

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How Many Car Payments Can You Miss?

The honest answer: most lenders will start repossession proceedings after two to three missed payments. But the specifics matter — your grace period, whether you’ve called ahead, and how the lender handles delinquencies all affect the timeline. If you’ve already missed one payment and you’re Googling this, keep reading, because there’s still time to manage it.

Which Type of Credit Is Used to Lease a Building?

Most people searching for this have a specific situation in mind: they’re trying to lease an office, a retail space, or a commercial unit, and someone at the landlord’s office asked about their credit. What type of credit are they actually looking at? The answer is a bit messier than “just get a good credit score” — commercial leasing can involve personal credit, business credit, or both, depending on who’s signing and what the landlord requires. Let me break it down.