Click the image to view the pdf! Kevin had 16 out of 24 items deleted or improved on his credit report! Including: Federal Tax Lien 7 State Tax Liens! Express Recovery Inc IHC Health Services Credit Bureau of Ogden Click here to view Kevin's Equifax results on this round!
Click the image to view the pdf! Denise in Layton had 16 out of 19 items either deleted or improved on her report! 2 State Tax Liens Paid Civil Judgment IHC Health Services United Recovery Group Express Recovery Outsource Receivables Credit Bureau of Ogden HSBC Bank Click here to view Denise's results from Equifax on [...]
Click the image to view the pdf! Denise got some great results on this round from Equifax: 3 Liens Judgment Intermountain Health Care United Recovery Group 3 Express Recovery Services Click here to view Denise's results from TransUnion on this round!
Click the image to view the pdf! Kevin had 10 items deleted or improved: Federal Tax Lien State Tax Lien Express Recovery Services Intermountain Health Care Household Automotive Finance Click here to view Kevin's TransUnion results on this round!
This question came in recently from Janice and I started to send a reply to you but decided I’d address this in the blog for all to read. Janice, I thank you for sending in this question as many people wonder the same thing. Of course, you can insert foreclosure, tax lien, judgment, collections, slow pays, repossession, and the whole list of bad credit issues one might face to the question “Can you legally take a bankruptcy off a credit report?”. The short reality is every single entry on your credit report is suspect. The Fair Credit Reporting Act (FCRA) and law that states you as a consumer have the right to challenge the credit reporting agencies (CRA’s) and demand removal of any trade lines that are reported inaccurately, that cannot be validated or simply outdated. […]
Click on the image to view the full size pdf! Capital One Bank USA Applied Bank First Premier Bank HSBC Bank Citibank Chase Palisades Collection NCO Financial Asset Acceptance LVNV Funding LLC Genesis Financial Solutions Riddle and Associates The CBE Group Inc
Click on the image to view the full size pdf! Judgment Chase American Express First Place Bank Best Buy Citi Card Investment Retrievers
I just got back from spending a few days in Savannah, GA for my wife’s birthday (I’m not suppose to tell you her age!!) But what a great town. We stayed at a Bed and Breakfast that was built back in 1862. There is so much history in that town, so much Civil war history with the big names like General Lee and others who lived or stayed in the area during the war. The food…WOW that was a really good time! As I got back into the groove this morning I had several messages and one woman has called me wondering if she should begin the credit repair process with us by asking the question “Is credit repair really needed in my case, I mean won’t my scores go up over time?” Now I must warn you that I am a bit biased but I do try to give a fair assessment to this question and in answering this question it might be best to rephrase it and ask a few other questions first. Now I have to be honest here and tell you that my first reaction at times is to reach through the phone and grab you by the scruff of the neck and shake you like a rag doll to knock some sense in you but I refrain from this immediate knee jerk reaction. […]
Click on the image to view the full size pdf! Spartan Financial Services Credit Adjustment Board RMB Inc Wakefield and Associates South Carolina
A discussion on a well guarded secret to keep your credit scores suppressed… One of our consultants popped in yesterday afternoon to drop off a deal (a good thing). He was telling me of a situation he ran into and wanted to know what kind of an effect it could have on his prospects credit score. Well the situation was a $110k line of credit which had a balance of 96k. This particular credit line was rated R-1 paid as agreed. A perfect rating, right? or was it? Unfortunately we see this kind of thing all the time… […]