What We Do
what we do
Here you can learn more about each of the items we target to improve your scores.
Creating a working plan
After we review your credit reports from the three major credit bureaus, we work with you to develop a plan, and execute that plan to resolve your credit issues.
Measuring results
We are not happy until you are happy. We work tirelessly to dispute items negatively affecting your scores and to ensure your credit goals are reached - ultimately improving your quality of life.
our services
Whether a delinquent account, derogatory account or public record is hindering you from reaching your credit goals, we can help!
Collections
Collections are a result of a debt becoming seriously delinquent. These debts can be credit cards, medical bills, and even utilities. Typically, debts are sent to collection agencies after a consumer fails to pay a debt for 180 days, but each creditor’s policy may vary.
Charge-offs
Charge-offs are debts that the original creditor has deemed unlikely to be paid. Like collections, typically a charge-off occurs when a consumer has become seriously delinquent on a debt – failing to pay for 180 days.
late payments
Late payments occur when a consumer is at least 30 days past due on an account. Some creditors do not report late payments until a consumer is at least 60 days late. Each creditor’s policy varies.
Bankruptcies
Bankruptcies are legal processes in which consumers that are unable to pay their debts are granted relief of their debts. Most frequently, bankruptcies are initiated by the party owing the debt.
Repossessions
Repossessions are processes in which a lender can retake possession of an asset (typically vehicles) when a consumer defaults on payments.
Inquiries
Hard inquires occur when a creditor reviews a consumer’s credit profile before making a decision to extend credit.
Still Have Questions?
Contact Us!
Feel free to contact our team to learn more about the services provided!