Flat-Fee Credit Repair and Counseling

Challenging Collections on Your Report
Credit reporting agencies are prohibited from including inaccurate or incomplete information in your credit file, especially from debt collection agencies. If you find any inaccuracies or omissions regarding a collection account, you have the right to dispute it with the agencies. The agencies are required to verify the information with the source, and if confirmation is not received within 30 days, they must remove it.
If a debt on your credit report is not legitimately yours, avoid making payments. Through a formal dispute process, we can work with the credit bureau to remove it from your account. Additionally, if a collector maintains a debt on your credit report beyond seven years, they are obligated to remove that specific debt.
While collection accounts typically persist on your credit report for up to seven years from the date of the initial delinquency with the lender, proactive dispute efforts can help rectify inaccuracies and ensure a fair representation of your credit history.

Erasing a Foreclosure Entry from Your Credit History

Eliminating a foreclosure from your credit report demands time, persistence, and specialized knowledge. To challenge it successfully, you must present the appropriate documentation to prove its erroneous inclusion on your credit report.

You might have the opportunity to expunge a foreclosure from your credit report under these circumstances:

• The foreclosure is older than seven years.
• The lending institution is no longer operational.
• You possess a voluntary dismissal.
• There is an absence of available records.
• Breach of predatory lending laws.

Effects of a Foreclosure on Your Credit Score

A foreclosure can result in a credit score drop of up to 140 points. It signifies tardiness in your payments before the foreclosure, creating concerns for lenders about your repayment reliability.

Timeline for Removal from Your Credit Report:

Foreclosures commonly linger on credit reports for more than seven years. Actively addressing these issues can help expedite the removal process and present a more accurate reflection of your credit history.

REMOVING A REPOSSESSION FROM YOUR CREDIT REPORT

To remove repossessions from your credit report, you’ll need to prove to the credit bureaus that the repossession is fraudulent, outdated, inaccurate, or in violation of predatory lending laws. Another way to remove repossessions from a credit report is to validate that all sales and lending procedures involved are free of State DMV violations.

HOW LONG DO REPOSSESSIONS STAY ON MY CREDIT REPORT?

 A repossession can endure on your credit report for a maximum of seven years, potentially impeding your eligibility for future loans.

Repossessions exert a significantly adverse influence on your credit, signaling to lenders a potential challenge in meeting payment obligations for subsequent loans

ELIMINATE AN EVICTION FROM MY CREDIT RECORD

Tired of facing rental denials due to a past eviction? Have you ever wondered why most evictions don’t appear on your typical credit report but still affect your renting prospects? At Credit Gurus, we go beyond the primary three credit reporting agencies (Transunion, Equifax, Experian).

Explore these methods for eviction removal:

While the process is intricate, it’s not insurmountable.

1. Petition the court: Request the court in the relevant county to expunge the eviction from your record.
2. Win your case: If the eviction lacks a legal basis, provide evidence to demonstrate its invalidity. Proving the eviction was unfounded increases the likelihood of a favorable ruling.
3. Demonstrate lease compliance: Clearly showcase adherence to your lease terms. Provide evidence, such as cleared rent checks and photos, to support your case.
4. Ensure legal procedures: Monitor the landlord’s eviction process, adhering to state-specific laws. Document instances where the landlord fails to follow required legal procedures in serving eviction notices.

Navigate these steps and empower yourself to remove evictions from your credit history.

Repairing your credit is the easy part, establishing and sustaining excellent credit demands your commitment and dedication.
Our Credit Gurus team aspires to witness you achieve a credit score of 700 or more, and we’ve crafted a swift plan to assist you in reaching that objective.
For many, a notable hindrance to attaining exceptional credit is a “LACK OF COMMITMENT.” If commitment isn’t a hurdle, and you meet the criteria for our Fixed-Price credit repair program, let’s not delay any further.
We would be delighted to impart knowledge on all the tools, strategies, and insider tips for building credit – the same techniques that affluent individuals have utilized to lead enviable lifestyles and amass substantial fortunes!