Credit repair insights from Damon Boswell & Ashley Boswell.
Credit ProtectionDamon Boswell and Ashley Boswell break down credit monitoring services in 2026 — free vs. paid options, credit freezes vs. monitoring, what Experian and myFICO offer, and whether you need a paid service during credit repair.
Credit RepairDamon Boswell and Ashley Boswell explain how to remove a repossession from your credit report in 2026 using FCRA disputes, early exclusion requests, and the 7-year reporting rule — and how long it really takes.
Credit BuildingDamon Boswell and Ashley Boswell explain how to build credit from scratch in 2026 — secured credit cards, credit-builder loans, authorized user status, rent reporting, and the 6-month timeline to your first FICO score.
Credit ScoresDamon Boswell and Ashley Boswell explain why Credit Karma's VantageScore differs from your FICO score in 2026, how each is calculated, which one lenders actually pull, and how to use both to plan your credit repair.
Credit RepairDamon Boswell and Ashley Boswell explain how long credit repair really takes in 2026 — the FCRA's 30- and 45-day dispute investigation windows, what happens month by month, and why most real results land within 45 to 90 days.
Loans & CreditDamon Boswell and Ashley Boswell break down how to get an auto loan with bad credit in 2026 — the minimum credit scores lenders accept, why down payments matter, subprime vs. buy-here-pay-here, and how to rebuild your score afterward.
Credit RepairDamon Boswell and Ashley Boswell explain how to remove a foreclosure from your credit report in 2026 using FCRA disputes, early exclusion requests, and the 7-year reporting rule — and how long it really takes.
Debt & CreditDamon Boswell and Ashley Boswell break down credit card debt settlement in 2026 — how it works, how much it hurts your credit score, the risks of debt-relief companies, and when settling is smarter than paying in full.
Credit RepairDamon Boswell and Ashley Boswell explain how to remove unauthorized and inaccurate hard inquiries from your credit report in 2026 using FCRA disputes, identity-theft protections, and the two-year reporting rule.
Building CreditDamon Boswell and Ashley Boswell compare secured credit cards and credit-builder loans in 2026 — how each works, what they cost, which builds credit faster, and how to choose the right one for your goals.
Credit & RentingDamon Boswell and Ashley Boswell break down the credit score landlords look for in 2026, what else they check on your report, and exactly how to get approved to rent with a lower score.
Credit RepairDamon Boswell and Ashley Boswell explain how to remove a repossession from your credit report in 2026 using FCRA disputes, lender negotiation, and the seven-year reporting rule — and when you only pay after performance.
Credit RepairDamon Boswell and Ashley Boswell explain how a goodwill letter can remove a legitimate one-off late payment from your credit report in 2026 — when it works, how to write it, and what to do if the creditor says no.
Mortgage & CreditDamon Boswell and Ashley Boswell explain how a rapid rescore can update your credit score in 3–5 days before a mortgage closes — who can request it, what it can and can't do, and how it differs from an FCRA dispute.
Building TradelinesDamon Boswell and Ashley Boswell explain how authorized user tradelines rebuild credit in 2026 — how ECOA rights protect credit history sharing, how FICO 08 and FICO 9 evaluate piggybacking, and the crucial risks to avoid.
Debt & Credit LawAshley Boswell and Damon Boswell explain the critical difference between the statute of limitations on debt and the 7-year credit reporting time limit in 2026 — and why paying an old, time-barred debt can restart the clock.
Dispute ProcessAshley Boswell and Damon Boswell break down the FCRA credit dispute timeline in 2026 — the 30-day investigation rule, the 45-day extensions, method of verification requests, and how to re-dispute when a bureau stalls.
Rebuilding CreditAshley Boswell and Damon Boswell explain how secured credit cards rebuild credit in 2026 — refundable deposits, graduation to unsecured cards, 3-bureau reporting, and how to keep utilization low for the fastest score gains.
Credit Repair ScamsAshley Boswell and Damon Boswell break down the warning signs of credit repair scams in 2026 — illegal upfront fees, the CROA advance-fee ban, the Telemarketing Sales Rule's 6-month rule, and how to spot a legitimate credit repair firm.
Identity Theft RecoveryAshley Boswell and Damon Boswell explain how to recover from identity theft in 2026 — fraud alerts, credit freezes, FCRA blocking of fraudulent accounts, IdentityTheft.gov reports, and how to restore your credit score.
Credit Score ImprovementAshley Boswell and Damon Boswell break down exactly how to raise your credit score 100 points in 2026 — disputing errors, lowering utilization, authorized users, Experian Boost, and the realistic timeline for each strategy.
Charge-Offs & DisputesAshley Boswell and Damon Boswell explain how to remove a charge-off from your credit report in 2026 using FCRA disputes, goodwill letters, and the seven-year reporting limit — and when you only pay after performance.
Mortgage & HomebuyingAshley Boswell and Damon Boswell break down how to buy a house with bad credit in 2026 — FHA, VA, USDA, and conventional loan minimum scores, down payments, lender overlays, and how credit repair fits into your mortgage timeline.
Credit MonitoringAshley Boswell and Damon Boswell review the best credit monitoring services in 2026 — free and paid options, three-bureau monitoring, FICO vs. VantageScore, identity theft protection, and how monitoring fits with credit repair.
Debt StrategyAshley Boswell and Damon Boswell compare debt consolidation and credit repair in 2026 — personal loans, balance transfers, how each affects your score, and when you need one, the other, or both.
Credit InquiriesAshley Boswell and Damon Boswell explain the difference between hard and soft credit inquiries in 2026, how many points a hard inquiry costs, how long they stay on your report, and how to dispute unauthorized inquiries under the FCRA.
Credit BuildingAshley Boswell and Damon Boswell explain how rent reporting works in 2026 — Experian Boost, Esusu, Boom, and other services that report on-time rent to all three bureaus, how many points you can gain, and how it fits with credit repair.
Consumer RightsAshley Boswell and Damon Boswell break down the Credit Repair Organizations Act (CROA) in 2026 — why upfront credit repair fees are illegal, what your contract must include, your cancellation rights, and how PayAfterPerformance stays compliant.
Medical DebtAshley Boswell and Damon Boswell explain the 2026 medical debt credit reporting rules — paid collections, the $500 threshold, the one-year grace period, the vacated CFPB rule, and how to dispute medical collections under the FCRA.
Student LoansDamon Boswell explains how student loan reporting errors hurt your credit in 2026, how to dispute them under the FCRA, and how rehabilitation can remove a default from your report.
Late PaymentsDamon Boswell explains when a goodwill letter works to remove a legitimate late payment in 2026, what to include, and how to pair it with FCRA disputes for the best results.
Credit BuildingDamon Boswell explains how authorized user tradelines affect your credit score in 2026, when piggybacking still works under FICO, and how to use it the right way while you repair your credit.
Credit ReportsDamon Boswell walks you through every section of your credit report in 2026 — personal information, accounts, inquiries, and public records — so you can spot the errors that drag down your score.
Identity ProtectionAshley Boswell and Damon Boswell explain the difference between a credit freeze, a fraud alert, and a credit lock in 2026 — what each one does, what the FCRA guarantees for free, and how to use them while you repair your credit.
Credit RebuildingAshley Boswell and Damon Boswell explain how to rebuild credit after Chapter 7 or Chapter 13 bankruptcy in 2026 — secured credit cards, credit-builder loans, authorized user status, and the habits that restore your score.
Disputes & FCRAAshley Boswell and Damon Boswell walk you through exactly how to dispute credit report errors with Experian, Equifax, and TransUnion in 2026 — the FCRA process, dispute letters, furnisher disputes, and what to do when a bureau says 'verified.'
Credit ScoringAshley Boswell and Damon Boswell break down the five factors that make up your FICO score in 2026 — payment history, credit utilization, length of history, new credit, and credit mix — and how to optimize each one.
Credit Report TimelinesDamon Boswell and Ashley Boswell break down exactly how long late payments, collections, charge-offs, repossessions, and bankruptcies can stay on your credit report in 2026 — and when the law says they must come off.
Business CreditDamon Boswell and Ashley Boswell explain how to build business credit in 2026 — EIN, D-U-N-S Number, net-30 tradelines, business credit cards, and the bureaus that track your company's credit profile.
Collections & DisputesDamon Boswell and Ashley Boswell explain how to legally remove collection accounts from your credit report in 2026 using FCRA disputes and FDCPA debt validation — and when you only pay after performance.
Credit RepairDamon Boswell and Ashley Boswell break down the legal credit repair process under the FCRA — how disputes work, what can be removed, and how to rebuild a stronger credit profile in 2026.
Connect with Damon Boswell & Ashley Boswell and pay only after we perform.
