Services
We Dig Deep, We Fight for You, and We Rebuild!
Our Services
We offer a range of services to help you improve your credit score and achieve financial stability.
Credit Report Analysis
Our experts will thoroughly analyze your credit report to identify any inaccuracies or negative items that may be affecting your score.
Dispute Resolution
We will work on your behalf to dispute and remove any incorrect or unfair items from your credit report.
Credit Counseling
Our credit counselors will provide you with personalized advice and strategies to help you manage your credit and improve your score.
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Third-Party Collections
When an account is sent to a collection agency, it’s noted on your credit report as a delinquent account. This can severely lower your credit score, as it indicates a failure to pay debts.
Debt Buyer Collections
Debt buyers purchase delinquent accounts from creditors and attempt to collect the debt. These accounts appear on your credit report as collection items, further damaging your credit score.
Tax Liens
Although no longer included on credit reports, unpaid tax liens previously had a significant negative impact on credit scores by showing a failure to pay taxes owed to the government.
Medical Collections
Medical debts sent to collections can lower your credit score, but newer credit models may weigh these less heavily than other types of collections, especially if paid off.
Charge-Offs
When a creditor deems a debt uncollectible, it’s marked as a charge-off on your credit report. This is a major derogatory mark that can significantly lower your credit score.
Broken Leases
Failing to fulfill a lease agreement can result in the landlord reporting the unpaid balance to collections, negatively impacting your credit report and score.
Repossessions
Repossession of a vehicle or property indicates a failure to repay a secured loan. This results in a major derogatory mark on your credit report, leading to a significant drop in your credit score.
Judgments
Legal judgments for unpaid debts used to appear on credit reports, heavily impacting credit scores. While they no longer show up, they can still lead to wage garnishments or bank levies.
Foreclosures
A foreclosure occurs when a mortgage lender takes possession of a property due to nonpayment. This stays on your credit report for up to seven years and drastically lowers your credit score.
Bankruptcies
Filing for bankruptcy can stay on your credit report for 7-10 years, depending on the type. It’s one of the most damaging items to your credit score, but it also offers a fresh start by discharging certain debts.
Identity Fraud
Fraudulent accounts opened in your name can harm your credit score if not disputed and removed promptly. Identity theft can lead to multiple negative marks, making it crucial to monitor your credit regularly.
Inaccurate Names
Incorrect names on your credit report can be a sign of mixed files or identity theft, leading to erroneous information affecting your credit score. Correcting these inaccuracies is crucial.