WHAT WE REMOVE
Areas Of Our Expertise
Identity Theft
Is someone using your personal information to open accounts, file taxes, or make purchases?
Credit Mistakes
Your credit history can affect your everyday life in ways you may not even realize. Besides helping determine what loans or credit you’re offered and at what interest rates, it may play a role in job offers or home rentals, among other things.
Student Loans
Student loans can have a major effect on your credit score, so it pays to understand the relationship between student loans and credit. One misstep like a missed payment can send your score plummeting.
Late Payments
Payment history is one of the key details that banks and issuers consider when deciding whether or not to approve you for credit.
Judgements
Judgments are no longer factored into credit scores, though they are still public record and can still impact your ability to qualify for credit card or loans.
Hospital Bills
That’s right — unpaid medical bills can affect your credit scores. Typically, doctors and hospitals report debts to Collections agencies, medical debts, can remain on your credit report for seven years from the date of the original delinquency
Collections
Collections can affect more than just your FICO Score. You might have debt collectors harassing you and making you feel like this is a financial burden that will never go away. But even debt collectors have to play by the rules
Bankruptcies
Filing bankruptcy is an action you can take if you’re unable to manage your debt. While it might be the right decision for your financial situation, filing for bankruptcy is one of the worst things you can do for your credit.
Declaring bankruptcy reflects poorly on your ability to handle debt and is likely to affect how future lenders view you as a potential borrower. If you’re considering filing bankruptcy, here’s what you need to understand before you take that step.
Inquiries
FICO’s research shows that opening several credit accounts in a short period of time represents greater credit risk. When the information on your credit report indicates that you have been applying for multiple new credit lines in a short period of time (as opposed to rate shopping for a single loan, which is handled differently as discussed below), your FICO Scores can be lower as a result. Although FICO Scores only consider inquiries from the last 12 months, inquiries remain on your credit report for two years.
Charge-Offs
A charge–off means the creditor has written off your account as a loss and closed it to future charges. Charge-offs can be extremely damaging to your credit score, and they can remain on your credit report for up to seven years.