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Blog/Mateo Reyes
Mateo Reyes
Especialista en Cobranzas y Deudas

Mateo Reyes.

Mateo Reyes escribe sobre cobranzas, la FDCPA y el mercado secundario de deuda para CreditRefresh.ai. Trabajó como consejero financiero comunitario y antes adentro de una agencia de cobranzas, donde aprendió la diferencia entre lo que un cobrador puede hacer por ley y lo que intenta de todos modos. Explica las reglas en español claro para que el lector sepa dónde está parado.

11 articlesUpdated weekly
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Collections

Credit Repair Steps After Wage Garnishment

A garnishment is a court order, not a credit verdict. Learn what to check on your Equifax, Experian and TransUnion reports first, and why those steps come before paying anyone.

Mateo ReyesMateo ReyesSep 30, 20269 min read
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Collections

Should You Pay Off a Charged Off Account?

You still owe a charged-off debt, but paying it does not wipe the slate. Learn who owns the debt, what your report shows, and when paying makes sense.

Mateo ReyesMateo ReyesSep 30, 202610 min read
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Credit Score

Is a 460 to 579 Credit Score Bad? Loans, Cards, and Rates Explained

A 460 to 579 score is in FICO’s Poor band. See what that costs on loans, cards, and rates, and why the report behind the number is worth checking for errors.

Mateo ReyesMateo ReyesSep 29, 202612 min read
Person’s hands holding a pencil over a notebook while using a calculator beside printed financial charts on a desk.
Collections

Child Support Garnishment Rules Explained

Child support garnishment sits outside the 25% wage cap and gets paid before other garnishments. Learn which income can be taken and what to check on your pay stub.

Mateo ReyesMateo ReyesSep 29, 202611 min read
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Credit Disputes

CreditRefresh vs Doing It Yourself: What $49.99 a Month Buys Over Free Letters

What a $49.99 subscription does that a free dispute letter does not, and when the free letter is the better call.

Mateo ReyesMateo ReyesSep 28, 202617 min read
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Credit Disputes

Is Credit Saint Worth It? Fees, Refunds and What Reviewers Say

What Credit Saint costs, what its reviewers report, and why a dispute only fixes errors, not unpaid balances.

Mateo ReyesMateo ReyesSep 28, 202612 min read
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Credit Disputes

CreditRefresh vs Dispute Beast: Two AI Dispute Tools Compared

How CreditRefresh and Dispute Beast actually differ: who each was built for, what they charge, and what work is still left to you.

Mateo ReyesMateo ReyesSep 28, 202612 min read
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Credit Disputes

CreditRefresh vs Lexington Law: Software You Sign or a Firm That Disputes for You

A side-by-side of what each service costs, who signs the dispute letters, and what that difference means for your three credit reports.

Mateo ReyesMateo ReyesSep 28, 202617 min read
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Credit Disputes

CreditRefresh vs Credit Karma Direct Dispute: One Bureau or Three

Credit Karma’s Dispute button only reaches one bureau. Learn when that is enough and when you need all three covered.

Mateo ReyesMateo ReyesSep 28, 202615 min read
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Credit Score

Charge Off vs Repossession: Which Hurts Your Credit More?

Learn why a repossession usually costs more than a charge-off, and what part of that damage is still worth disputing.

Mateo ReyesMateo ReyesSep 24, 202610 min read
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Credit Cards

Can You Get a Credit Card With an Old Charge Off?

What actually decides approval after a charge off, and how to check the entry itself before you apply.

Mateo ReyesMateo ReyesSep 24, 202610 min read