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If you fall behind on payments, the lender or creditor may transfer your account to a collection agency or sell it to a debt buyer. This generally occurs a few months after you become delinquent, or the date you begin missing payments or not paying the full minimum payment. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report.
An eviction is a legal process in which a landlord removes a tenant from a rental property. Many evictions happen for lease violations like not paying rent. Eviction does not show up on your credit score, but it may appear on other consumer reports and make it harder for you to rent in the future. If you owe any unpaid rent or court fees, those debts can show up on your credit report and lower your credit score.
Hard inquiries can be harmful to a borrower’s credit score. This is different from a “soft” inquiry, which can result when you check your own credit or when a promotional credit card offer is generated. Soft inquiries do not impact your credit score, but hard inquiries usually cause a small credit score decrease for a borrower. Hard inquiries remain on one's credit report for two years. Generally, a high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender.
Repossession is the seizure of property that usually occurs as a result of the nonpayment of a debt, which can happen quickly and without warning. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come. Although some lenders may technically be able to repossess collateral immediately after a missed payment, most repossessions take place on accounts that are 10 days or more past due. This can negatively affect your credit score once reported to the credit bureaus.
A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. It may be sold to a debt buyer or transferred to a collection agency. You are still legally obligated to pay the debt. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.”
Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!
Yes. Student loans can be removed from your credit if there is any inaccurate, unverifiable, or outdated information reporting on your credit reports. Depending on your account history we will determine if your student loans need to be updated, deferred, or consolidated. Please keep in mind that even if the student loan account is deleted you're still obligated to pay the debt. Removing the entire account may negatively affect your payment history which can cause your credit scores to decrease.
Yes. Late payments can be removed from your credit if there is any inaccurate, unverifiable, or outdated information reporting on your credit reports. Having several late payments can make it more difficult to remove. However, we will dispute all late payments in hopes of getting them removed.
It takes about 30-45 days to see improvement in your credit scores. This depends on if you have followed our credit recommendations. We create a credit action plan for every client please refer to the email for further details.
es. Charge-offs can be removed from your credit if there is any inaccurate, unverifiable, or outdated information reporting on your credit reports.
No. Pulling your own credit reports won't negatively affect your credit scores.
f a collection account comes back we will dispute it again. Please tell me if you have received a letter informing you that this account would be added back to your credit? If not, this is a violation that we will continue to challenge.
Yes. Keep your credit monitoring account active throughout the credit repair process, so we can see the changes to your accounts and scores. Your score won't suffer if you're ordering your own reports.
The credit system is flawed, and nearly 80% of all reports have errors that can lower your score. But you have rights and we know how to use them to your benefit! The law gives you the right to dispute any item on your credit reports.
We improve our customer’s credit in a timely manner by providing affordable credit score optimization programs tailor-made around their needs. We are a customer-focused, results-oriented organization committed to developing strong relationships, delivering predictable results, and teaching innovative credit and credit score solutions.
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