When
you hire us, we will work on removing negative items from your payment
history. We will also show you how to maximize your debt ratio score,
even if paying off credit cards is not an option. Our Company even has
methods of increasing your credit history with positive rated accounts
that will improve your score. We can also work on removing credit
inquiries from your credit report. How can I find out my credit score?
What is a Credit Score?
Here is a percentage breakdown of a FICO score:
Most people are aware of
the three credit reporting agencies TransUnion, Equifax, and Experian.
The average difference in scores between the highest and lowest of your
three FICO scores is 60 points. This is the result of each of the
credit bureaus having different items on their report, which may be
correct, incorrect or are not reported in full compliance with credit
law.
According to the Government Accountability Office, 80-90%
of credit reports have serious errors on them and this does not even
include the more minute errors for which we look. If we cannot remove
at least 25% of the negative credit items from all three of your credit
reports, we will refund 100% of your fee.
Click here and
order the same credit score a mortgage company uses for approvals.
Requesting for one's own FICO score through this site is considered a
soft inquiry and will not hurt the credit score. We cannot pull your
credit score for you.
How can I get a free copy of my credit report?
By
law, all consumers are entitled to a free copy of their credit report
from each of the three credit bureaus once per year. Visit www.annualcreditreport.com to get your report for FREE. (This
is for the credit report only and does not include the credit score,
therefore we recommend ordering your report with your credit score.)
How long will the items be reported on my file?
- Delinquencies (30-180 days): A delinquency may remain on file for seven years from the date of the initial missed payment.
- Collection accounts: May remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked as a "paid collection" on the credit report.
- Charged-off accounts: This will remain seven years from the date of the initial missed payment that led to the charge-off (the original delinquency date), even if payments are later made on the charged-off account.
- Closed accounts: Closed accounts are no longer available for further use and may or may not have a zero balance. Closed accounts with delinquencies remain for seven years from the date they are reported closed, whether closed by the creditor or by the consumer. However, the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments. Positive closed accounts continue to be reported for ten years from the closing date.
- Lost credit card: If there are no delinquencies, credit cards reported as lost will continue to be listed for two years from the date the creditor is contacted. . Delinquent payments that occurred before the card was lost are reported for seven years.
- Bankruptcy: Chapters 7, 11, and 12 will remain on one's credit report for ten years from the filing date. A Chapter 13 bankruptcy is reported for seven years from the filing date. Accounts included in bankruptcy will remain for seven years from the date reported as included in the bankruptcy.
- Judgments: Remain seven years from the date filed.
- City, county, state, and federal tax liens: Unpaid tax liens remain for fifteen years from the filing date. A paid tax lien will remain on one's score for seven years from the date of payment.
- Inquiries: Most inquiries listed on one's credit report will remain for two years. All inquiries must remain for a minimum of one year from the date the inquiry was made. Some inquiries, such as employment or pre-approved offers of credit, will show only on a personal credit report pulled by you.
- Medical information (unless you provide consent)
- Notice of bankruptcy (Chapter 11) more than ten years old
- Debts (including delinquent child support payments) more than seven years old
- Age, marital status, or race (if requested from a current or prospective employer
Is there anything that cannot be in my credit report? Certain information cannot be in a credit report, including:
- Medical information (unless you provide consent)
- Notice of bankruptcy (Chapter 11) more than ten years old
- Debts (including delinquent child support payments) more than seven years old
- Age, marital status, or race (if requested from a current or prospective employer