Credit Info

We Will Dispute Negative Items In Your Credit History.

We will show you how to maximize your debt ratio score, even if paying off credit cards is not an option.

We can assist in removing credit inquiries from your credit report. There are three major credit reporting bureaus: Equifax, Experian, and TransUnion. These bureaus can generate credit scores that differ by up to 60 points due to varying items on their reports, some of which may be incorrect or incomplete. A study revealed that approximately 80% of all credit reports contain serious errors, not including minor errors that we also address.

After We Begin The Credit Dispute Process, You Can Also Help Raise Your Credit Score

Improving your credit score can take time, but by following some simple steps, you can increase your creditworthiness and ultimately save money. One of the most important things to do is to make sure that you pay all of your bills on time, every time. This includes not just your mortgage, auto payments, and credit card payments, but also your utility bills. A good way to stay on top of this is to set up automatic payments, which can help ensure that you never miss a payment.

Checking your credit report at least once a year is also important. You can get a free credit report from each of the three credit reporting bureaus, Equifax, Experian, and TransUnion, every year. Reviewing your credit report can help you spot errors or incorrect information, which can then be disputed and removed from your report. This is especially important because a single error on your credit report can significantly lower your credit score.

Another important factor to consider is your credit utilization ratio, which is the amount of credit you are using compared to the amount of credit you have available. Aim to use no more than 30% of the available balance on each of your credit cards. If you are carrying high balances, make paying them down a priority. Paying off your credit card balance in full each month can help increase your score.

While it may be tempting to avoid using credit altogether, this is not the best way to improve your credit score. Instead, use credit cards wisely. Consider charging only your utility bills and paying the balance in full each month. This will ensure that your utility bills are paid on time automatically, while also helping you establish good credit habits.

Keeping old credit card accounts open, even if they are no longer used, can also help improve your credit score. The length of time each of your accounts has been active is a major factor in your credit score, so it is best to keep those unused accounts open. Making a small purchase every few months and paying it off can help keep the account active and improve your credit score.

It is important to remember that repairing your credit score takes time. It may take several months or even years to see a significant improvement. However, by consistently following these habits over time, you can establish good financial and credit habits that will benefit you in the long run. The key is persistence, so don't give up if you don't see immediate results. Stick with it and you will be on your way to achieving a better credit score and all the benefits that come with it.

Delinquencies (30- 180 days): A record of delinquency may remain on file for up to seven years from the date of the initial missed payment.

Collection Accounts: A record of collection accounts may remain on file for up to seven years from the date of the initial missed payment that led to the collection. Once a collection account is paid in full, it will be marked as a "paid collection" on the credit report.

Charge-off Accounts: A record of charge-off accounts may remain on file for up to seven years from the date of the initial missed payment that led to the charge-off. This is true even if payments are later made on the charge-off account.

Closed Accounts: Closed accounts are no longer available for use and may or may not have a zero balance. Closed accounts with delinquencies remain for up to seven years from the date they are reported closed, whether closed by the creditor or by the consumer. However, the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments. Positive closed accounts continue to be reported for up to ten years from the closing date.

Lost Credit Card: Credit cards reported as lost will continue to be listed for up to two years from the date the creditor is contacted. Delinquent payments that occurred before the card was lost are reported for up to seven years.

Bankruptcy: Chapters 7, 11, and 12 will remain on one's credit report for up to ten years from the filing date. A Chapter 13 bankruptcy is reported for up to seven years from the filing date. Accounts included in a bankruptcy will remain for up to seven years from the date reported as included in the bankruptcy.

Judgments: Records of judgments will remain on a credit report for up to seven years from the date filed.

City, County, State, and Federal Tax Liens: Unpaid tax liens will remain for up to fifteen years from the filing date. A paid tax lien will remain on one's credit report for up to ten years from the date of payment.

Inquiries: Most inquiries listed on a credit report will remain for up to two years. All inquiries must remain for a minimum of one year from the date the inquiry was made. Some inquiries, such as employment or pre-approved offers of credit, will only show on a personal credit report pulled by the individual.

Debts (including delinquent child support payments) more than seven years old

Age, marital status, or race (if requested from a current or prospective employer)