learn to love
your credit again
Repairing your credit score means you want positive events to appear on your credit history and get rid of the negative ones. It is extremely important to know what elements make up your credit score before you go about improving it as you will have a much better idea of what you must and mustn’t do to improve it.
we help remove
01
CollectionsThe process where unpaid debts are transferred from the original creditor to a specialized agency for collection. This typically happens when a borrower fails to make payments on a debt and the original creditor gives up on recovering the funds themselves.
02
Late PaymentsLate payments occur when a payment is not made by the due date or within a specified grace period. They can have significant consequences, including late fees, increased interest rates, and negative impacts on credit scores. Missing payments can also lead to your account being charged off, meaning it's closed and you still owe the money.
03
Charge-OffsA charge-off is when a lender or creditor, like a credit card company, deems an outstanding debt unlikely to be collected and writes it off as a loss for accounting purposes. This typically happens after a period of non-payment, usually around 180 days for credit cards. While the debt is written off by the creditor, the borrower is still legally obligated to repay it.
04
BankruptciesBankruptcy is a legal process for individuals, businesses, or municipalities unable to repay their debts. It offers a way to either eliminate debts or restructure them into a manageable repayment plan under court protection.
05
RepossessionsRepossession, often referred to as "repo," occurs when a lender seizes an asset (collateral) tied to a secured loan, typically because the borrower has defaulted on the loan agreement. This most commonly applies to vehicles, according to the Federal Trade Commission.
06
JudgementsIn law, a judgment is a formal decision made by a court, concluding a case and determining the rights and obligations of the parties involved. It can be a final decision resolving all issues or an interlocutory judgment resolving preliminary matters. Judgments can be monetary, requiring payment of money, or non-monetary, involving actions like specific performance or prohibitions.
credit rules
- Banks
- Credit card companies
- Loan companies
60-day dispute cycles used by other companies add months to the process – at your expense. 15 extra days may not seem like much, but let’s do the math.
If a credit repair company sends disputes every 60 days, it will take twelve months to send six rounds of disputes, that’s an extra three months.
While many credit repair companies offer a limited number of challenges, disputes and interventions per billing cycle, We offers unlimited filings. This means your credit report may be cleaned up faster than with other credit repair services. We send out the following letters:
- Credit bureau disputes
- Inquiry challenges
- Goodwill interventions
- Escalated info requests
- Debt validation
- Cease-and-desist requests
- Name variance challenges
- Method of verification requests
- Section 609 requests
- CFPB investigations