Ashley Gardner

09/20/2026

Where you may qualify 👇🏾👇🏾👇🏾

Alabama, Alaska, Arizona, Colorado, Connecticut, Delaware, Florida, Georgia, Indiana, Kentucky, Louisiana, Maine, Michigan, Nevada, Nebraska, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington,
Wisconsin, and the District of Columbia, (ill) the Office of Consumer Protection of the State of Hawaii, (iv) the Utah Division of Consumer Protection.

09/20/2026

Always been a trash 🗑️ company.. Get y’all money 💰

Credit Acceptance Corp., one of the largest subprime auto lenders in the U.S., agreed to pay $710 million and overhaul its lending practices nationwide to settle claims by 40 states and Washington, D.C., that it trapped low-income borrowers in auto loans they could never afford.

The settlement announced Sept. 17 also resolves claims that Credit Acceptance helped car dealers push consumers to buy add-on products, such as vehicle service contracts, and insurance they never knew they were paying for.

Many borrowers ended up defaulting or having their vehicles repossessed, the states said.

Credit Acceptance will forgive $634 million of debt owed by more than 55,000 borrowers who took out loans between November 2015 and November 2025, pay $60 million in restitution to thousands of other borrowers, and pay a $15.5 million penalty, New York Attorney General Letitia James said.

Read more: https://www.autonews.com/retail/finance-insurance/an-credit-acceptance-settlement-0918/

09/17/2026

The Federal Reserve raised its benchmark interest rate by 25 basis points to a target range of 3.75% to 4.00% on September 16, 2026.

🚩 Higher rates affect consumer loans, pushing up borrowing expenses for credit cards, auto loans, and mortgages.

09/09/2026

Have LVNV Funding LLC keep reading 👇🏾👇🏾

👉🏾Credit One Bank is affiliated with 🤳🏾Sherman Financial Group, LLC through common beneficial ownership.👇🏾
👉🏾LVNV Funding LLC is also part of the Sherman Financial Group family of companies.

💳When a Credit One Bank account goes into default and charges off, Credit One typically sells that debt to 👉🏾LVNV Funding LLC, which then attempts to collect including filing lawsuits. ⚖️👇🏾
👉🏾LVNV usually buys charged-off accounts directly from Credit One Bank and proceeds to collect on their behalf. LVNV Funding LLC

🔔The actual day-to-day collection work is usually done by Resurgent Capital Services, another company in the same corporate family.

So in practice: Credit One Bank (original creditor) → sells the defaulted debt to → LVNV Funding LLC (debt buyer, same parent company) → collected by → Resurgent Capital Services.

If you’re seeing LVNV on your credit report tied to a Credit One account, this is the typical pattern. ✔️

09/02/2026

For the millionth time — STOP 🫷🏾 focusing ONLY on TransUnion, Experian, & Equifax‼️

There are TONS more‼️ LexisNexis, Innovis, SageStream, CIC… and more.

They ALL have ONE ☝🏾 thing in common… furnishing consumer reports.

👇🏾👇🏾👇🏾👇🏾👇🏾

15 U.S. Code § 1681a(f) — Consumer Reporting Agency

A "consumer reporting agency" is ANY person or company that — for money, dues, or even on a nonprofit basis — regularly assembles or evaluates consumer information for the purpose of furnishing consumer reports to third parties, using any means of interstate commerce to do it.

Again. 👉🏾ANY person. Not just the "big 3."

If they're collecting your info and handing it off to somebody else to decide what you're "eligible" for… they're a consumer reporting agency. Period.

Know who's reporting on you. All of them.

⚖️This post is for educational purposes only and is not legal advice.

🔗 https://www.thea3company.net/products/3rd-party-data-furnishers

09/02/2026

I keep telling y'all — you are LETTING them determine who you are and what you're eligible for ‼️

And the law backs me up. Read it yourself 🗣️👇🏾👇🏾👇🏾

15 U.S. Code § 1681a(d)(1)

A "consumer report" is any communication by a consumer reporting agency about your creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living — used to decide your eligibility for credit, employment, housing, and more.

🔔Read that again. Character. General reputation. Mode of living.

💡So if your consumer reports are full of "negative" info about you… what exactly are they saying about who you are?

Congratulations 🎊🎉 you've been letting a report define you. 🚶🏾‍♀️

🌟This post is for educational purposes only and is not legal advice.

👉🏾 https://www.thea3company.net/products/data-furnishers

09/01/2026

September is bringing success.
September is bringing good luck.
September is bringing happiness.
September is bringing prosperity.
September is bringing abundance.
September is bringing new energy.
September is bringing new friends.
September is bringing good fortune.
September is bringing positive vibes.
September is bringing new beginnings.
September is bringing personal growth.
September is bringing financial stability.
September is bringing joyful experiences.

🤎🧡🤎🧡🤎🧡🤎🧡🤎🧡🤎🧡🤎🧡🤎🧡🤎🧡

08/26/2026

🔍Identify each kind

Chapter 7- Liquidation Bankruptcy
• Almost all of your assets and property are liquidated and thus become property of the bankruptcy estate that is sold to allow you to repay your debts. There are some exceptions to this though.

Chapter 13 - Repayment Plan
• Designed for a consumer to keep their property, have a set payment plan to repay creditors

Chapter 11 - Large Reorganization
• Business entities - “Rich people bankruptcy”

Chapter 12 - Family Farmers & Fisherman

Chapter 15 - Foreign Class
• Chapter 15 bankruptcy provides laws and protections that help businesses and individuals who have debts and claims that involve more than one country

Chapter 9 - Municipalities
• Chapter 9 bankruptcy provides creditor protection for financially distressed cities and villages.

📈Statuses:

Discharged - The “Goal” - A bankruptcy discharge releases the debtor from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are discharged.

Dismissed - Closes the bankruptcy case before receiving a discharge. If bankruptcy is dismissed you are still liable for debts, Creditors are still legally able to come after you. Chap 13 are more likely to be “dismissed” due to failure to repay.

Chapter 7 stays on credit report for 10 years, All other chapters stay on for 7 years.

🖥️PACER - Data Aggregator for Public records including bankruptcy

08/26/2026

👩🏾‍⚖️Your rights under FCRA (Fair Credit Reporting Act)
📚The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of info in the files of consumer reporting agencies.

🔔Here is a short list of your major rights under FCRA.👇🏾👇🏾👇🏾 👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾

• You must be told if information in your file has been used against you.
• You have the right to know what is in your file.
• You have the right to ask for a credit score.
• You have the right to dispute incomplete or inaccurate information.
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
• Consumer reporting agencies may not report outdated negative information.
• Access to your file is limited.
• You must give your consent for reports to be provided to employers.
• You may limit “prescreened” offers of credit and insurance you get based on information in your credit report.
• You may seek damages from violators.
• Identity theft victims and active duty military personnel have additional rights.

💡States may enforce the FCRA, and many states have their own consumer reporting laws.

👉🏾In some cases, you may have more rights under state law.

📣For more information, contact your state or local consumer protection agency or your state Attorney General. Your local legal aid office will provide you with advice free of charge.

08/24/2026

I can’t give you legal advice. This is not financial advice. But file bankruptcy. It protects you. You are taught it’s a bad thing. It is NOT. What is bad is your name on lawsuits and garnishments in this economy! 🗣️🗣️🗣️🗣️🗣️🗣️