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You might find it difficult to make companies do the right thing when it comes to getting negative credit items off of your reports due to ID Theft of your personal information.  This process must be done using documents that the agencies and federal agencies provide.  We can assist you with all of that f and usually all negative information will be removed in 30 to 45 days. 

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Credit report items agency, remove negative credit items, clear credit history.

Regardless if you owe a medical bill or not. The medical provider must not disclose any of your personal medical information to a 3rd party. They can be sued if they do disclose your personal information. This also put you in a great position to have the item deleted off of your credit reports. 

Negative Credit items Legal Challenges

Personal Credit File Lawful Orientation

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Credit report items agency, remove negative credit items, clear credit history.

Collections can be from an old credit card, payday loan, medical bills, personal loans, cell phone, cable bills, etc.  When dealing with collections there is a specific process that must be validated to make sure it is a valid debt and can be legally collected. We can come in to an agreement with the agency if proving it is not valid is not an option.

Credit report items agency, remove negative credit items, clear credit history.

 Most mortgage companies don’t come after you for a foreclosure after the process is done.  But having the mark on your credit reports can hurt your ability to move forward and get approved for new credit.  We know several validation processes you can put in to motion to get a foreclosure removed including if your mortgage was sold over and over and your original mortgage provider was either fined by the federal government or closed down. 

Credit report items agency, remove negative credit items, clear credit history.

 These can drop your credit score down as much as 20 to 30 points in some cases.  We know the use of several options when talking to creditors to reverse late payments.  This must be done the right way or you can end up having the account closed or all the good history deleted making your score drop down more. 

Credit report items agency, remove negative credit items, clear credit history.

 This can happen when an original creditor sells an account to a debt collector.  Technically they can report the previous history, but if they say they sold the account they technically have been paid for the account. 

Credit report items agency, remove negative credit items, clear credit history.

 These are technical terms for a debt being reported as a loss on their accounting books.  This doesn’t mean that the creditor can’t collect on the debt.  They can’t report the debt as an asset on their books. 

Credit report items agency, remove negative credit items, clear credit history.

 These are inquiries the credit reporting agencies allow to be placed on your reports to allow you to see who purchased your data to market to you.  It has no effect on your scores and doesn’t hurt you. 

Credit report items agency, remove negative credit items, clear credit history.

We know the tedious steps to remove these.

Our finance advice training program will help you develop the skills necessary to help you delete these.

Credit report items agency, remove negative credit items, clear credit history.

 If your vehicle has been repossessed you have a lot of rights that you need to be aware of.  Regardless if you give the car back willingly or if they take it without you knowing.  A process will be started to sell the car at auction and they will come after you for the deficiency.  That is the balance owed after the car is sold at auction.  We make sure that they followed the law at every step including the original contract, how they took the vehicle and getting the final auction receipt. 

Credit report items agency, remove negative credit items, clear credit history.

 This can hurt your credit scores and hurt your ability to obtain credit due to mistakes on your reports personal data section.  These can include misspelling of your name, Sr, Jr, II that is added to one report and not matching another report.  Addresses and other personal information.  We will make sure that we help you get this is updated and matches all 3 reports. 

Credit report items agency, remove negative credit items, clear credit history.

 These are collections that are usually purchased by a debt collector and you didn’t respond to the 30 day validation letter they sent in the mail.  Don’t worry if they don’t disclose the debt properly on your credit reports it must be removed.  There is a specific process to get this done and we take care of showing you that.

Credit report items agency, remove negative credit items, clear credit history.

 We can help you get garnishments stopped in some cases.  Depending on the laws in your state you might not qualify to be garnished or qualify to have it reduced.  We will assist you in finding out and help you get it resolved. 

Credit report items agency, remove negative credit items, clear credit history.

 You cannot legally file bankruptcy and dispute that you didn’t file bankruptcy on your credit reports.  The bankruptcy must show correctly and if there are in inaccuracies in the placement it must be removed immediately.  We have several strategies to get you informed on how to get this done accordingly 

Tax Liens

We can assist you with doing an offer in compromise Included with your services.  We handle state and federal tax liens.

Credit report items agency, remove negative credit items, clear credit history.

 In some cases you may have to go to court pay a collection when 100% proven by the collector.  We will assist you in negotiating a discounted settlement to help you get pass it and move forward in your life. 

Credit report items agency, remove negative credit items, clear credit history.