Theresa Reel
  • Spilling The Tea
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​It can be hard for folks to get ahead, figure it out, or even know where to start. 
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If you're in poverty and all you have is a debit card or a prepaid card or you pay in cash, it does not report to a credit bureau. If it doesn't report to a credit bureau, it cannot create a credit score for yourself.
​- Author: Suze Orman

And yes, it can also be a problem for folks that have money.  Let's learn the steps, get everyone on track, and have some laughter along the way.  
On this site you will find information.  Nothing here should be considered legal advice.  General information may help you, and also your individual circumstances may be different, so always, please do your own due diligence. Nothing is promised or guaranteed.

Does Credit Repair Really Work? 


I'm just here for the news


Cash App Data Breach

Mortgage Rates Are Rising


​Extension and Audit Risk 

TransUnion is Sued

Bad Habits in Spending Raise Balance

CA Considers Increase in Tax Credit

Medical Debt Reform

​Resources for Identity Theft Victims 

Scam Alert Pretending to be DHS

New Student Loan Forgiveness Options

CrowdFunding Medical Bills

Higher Interest Rates and Inflation

Are tax refunds bigger this year

Is Medical Debt Being Removed 

​Federal Interest Rate Increase

Earned Income Tax Credits Changed​

What is Piggybacking and is it safe?

What to do about Medical Bills

Does Debt Contribute to Suicide

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​My concern is:


  • How do I find my credit score
  • I am on a fixed income is there hope
  • I had a bankruptcy
  • I have medical debt
  • I had a repossession
  • I don't have any credit
  • I had a divorce/am getting a divorce
  • Identity theft  
  • Stuff is on my credit that's not mine  
  • It got removed and came back 
  • I gave back a vehicle I couldn't afford
  • Student loans  
  • Eviction  
  • Foreclosure  
  • ​I was the co-sign  
  • I use an App 
  • Secured Credit Cards  



​I need help


  • 5 Reasons to Check Credit Report Regularly
  • ​The Fair Credit Reporting Act
  • ​Understanding Your Credit Score
  • ​Applying For A Loan
  • What is a Credit Report
The Credit Pros

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© 2020 Theresa Reel All Rights Reserved.
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  • Spilling The Tea