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If you're struggling to remove negative credit items from your report due to identity theft, navigating the process can be challenging. We streamline this for you by using the required documents provided by credit agencies and federal authorities. Our expertise typically ensures all negative items are removed within 30-45 days.  Financial Advisor Digital Marketing & Profit Optimization for Wealth Development

Specializing in credit report solutions, negative item removal, and credit history restoration.

Whether or not you owe a medical bill, your medical provider is legally prohibited from sharing your personal medical information with third parties. Unauthorized disclosure can lead to legal action against them and provides a strong basis for removing related negative items from your credit report.  Legal Challenges for Negative Credit Items

Specializing in lawful credit file solutions, negative item removal, and clean credit history restoration.

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Credit Report Solutions Agency: Experts in removing negative credit items and clearing credit histories.

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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 pursue further action after a foreclosure is finalized, but the mark on your credit report can hinder your ability to secure new credit. We specialize in multiple validation processes to remove foreclosures from your credit report, particularly if your mortgage was repeatedly sold or if the original lender faced federal fines or closure.  Credit Report Solutions Agency: Experts in removing negative credit items and restoring a clean credit history.

Late payments can lower your credit score by 20 to 30 points in some cases. We employ proven strategies to negotiate with creditors and reverse late payments, ensuring the process is handled correctly to avoid account closure or loss of positive credit history, which could further harm your score.  Credit Report Solutions Agency: Experts in removing negative credit items and restoring a clean credit history.

 When an original creditor sells an account to a debt collector, the collector may report the account’s prior history. However, if the creditor confirms the account was sold, it implies they’ve been compensated, which can be leveraged to challenge the debt’s validity. We can guide you through the process to address and potentially remove such items from your credit report.  Credit Report Solutions Agency: Experts in removing negative credit items and restoring a clean credit history.

A "charge-off" or "write-off" refers to a debt marked as a loss on a creditor’s accounting books, but this doesn’t prevent them from pursuing collection. However, they cannot report the debt as an asset on their financial statements. We can help you challenge these entries to potentially remove them from your credit report.  Credit Report Solutions Agency: Experts in removing negative credit items and restoring a clean credit history.

Soft inquiries are entries on your credit report showing who accessed your data for marketing purposes. These inquiries have no impact on your credit score and are harmless.  Credit Report Solutions Agency: Experts in removing negative credit items and restoring a clean credit history.

We specialize in the meticulous process of removing negative credit items from your report. Our finance advice training program equips you with the skills needed to effectively delete these items, helping you achieve a clean credit history.  Credit Report Solutions Agency: Experts in removing negative credit items and restoring a clean credit history.

If your vehicle has been repossessed, you have important legal rights, whether you voluntarily surrendered the car or it was taken without your knowledge. After repossession, the lender will typically auction the vehicle and pursue you for the deficiency balance—the amount still owed after the sale. We ensure every step of the process, from the original contract to the repossession and final auction receipt, complies with the law, helping you challenge inaccuracies and potentially remove related negative items from your credit report.  Credit Report Solutions Agency: Experts in removing negative credit items and restoring a clean credit history.

 Errors in the personal data section of your credit report, such as misspelled names, incorrect suffixes (Sr., Jr., II), mismatched addresses, or other inaccuracies, can lower your credit score and hinder your ability to secure credit. We ensure these errors are corrected across all three credit reports, aligning your personal information accurately to restore your credit profile.  Credit Report Solutions Agency: Experts in removing negative credit items and restoring a clean credit history.

 Unanswered debt validation letters from debt collectors, typically for purchased collections, can lead to negative marks on your credit report. If the debt isn’t properly disclosed on your report, it must be removed. We guide you through the specific process to ensure these items are addressed and removed, restoring your credit history.  Credit Report Solutions Agency: Experts in removing negative credit items and clearing credit histories.

We can assist in stopping wage garnishments in certain cases, depending on your state’s laws, which may deem you ineligible for garnishment or eligible for a reduction. Our team will help you determine your options and guide you through the process to resolve the issue effectively.  Credit Report Solutions Agency: Experts in removing negative credit items and restoring a clean credit history.

 You cannot legally file for bankruptcy and then dispute its presence on your credit report. However, if the bankruptcy is inaccurately reported, it must be corrected or removed immediately. We employ multiple strategies to guide you through the process of addressing these inaccuracies effectively. 

 Tax Liens

We can help you navigate state and federal tax liens, including pursuing an Offer in Compromise as part of our services to resolve these issues.  Credit Report Solutions Agency: Experts in removing negative credit items and restoring a clean credit history.

 In certain cases, if a debt collector provides undeniable proof of a valid debt, you may need to address the collection in court. We assist you in negotiating a discounted settlement to resolve the matter efficiently, allowing you to move forward with your life.  Credit Report Solutions Agency: Experts in removing negative credit items and restoring a clean credit history.