IMPROVE YOUR FICO
We get items removed from your credit report that are weighing down your numbers. On average, our clients see a 30-80 point increase.
REVOLUTIONARY REMOVAL TACTICS
We don’t sell form-letter campaigns that can drag on for years. We get better results in 30-45 days in most cases.
PERSONALIZED CREDIT COACHING
We teach you how to keep your scores up and make smarter credit decisions in the future so that your score can continue to soar.
TECHNOLOGY & COMMUNICATION
Your client portal will help you keep an eye on your progress, get tips from your coach and get automatic alerts when there are changes to your report.
Real Results From Real Clients.
Items We Get DELETED!
Common items we get deleted
A judgment is one of the most damaging things to have on your credit report. … Judgments affect your credit adversely. If you have a judgment on your credit report, your score will be lower and potential creditors will be hesitant to loan you money because they can’t trust that you’ll repay the debt.
According to Wikipedia “Identity theft is the deliberate use of someone else’s identity, usually as a method to gain a financial advantage or obtain credit and other benefits in the other person’s name, and perhaps to the other person’s disadvantage or loss.”
It also is a report that goes to the credit bureaus and gets incorporated into your credit score. If you have a loan marked as charged off, it will hurt your credit score. … Even if an account is charged off, you still owe the money. And, as it turns out, it may even make it more difficult to repay the debt afterward.
If the bank has to come take the vehicle, they will report the account as a repossession, and that will be reflected on your credit report, as well. Both are very negative, but a voluntary repossession may hurt your credit scores slightly less than a repossession.
In 2017 the laws changed regarding medical bills. To sum it up it says that over to collections. the provider must wait 180 days before they turn it Medical Bill Collections Remain On the Report for Seven Years. Negative accounts remain on your credit report for seven years from the date they originally became delinquent.