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| TIME IS RUNNING OUT. |
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| Did you know? |
| The OCC required many creditors to double credit card minimum payments! If you have a Bank of America, Discover, Citibank, MBNA, Chase or any other major credit card, prepare yourself now. |
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 Having collection accounts on your credit report will hurt your credit report and your credit score. The best option for dealing with collection accounts is to have them removed from your report. Read below how credit repair can help improve your credit score and your credit report. |
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| Dispute If It's Not Your Collection |
If it's not your debt, you're not required to pay it and collectors aren't allowed to list it on your credit report. Use credit repair to have the credit bureaus remove the debt from your credit report.
Even if the debt belongs to you, that doesn't mean the collector is legally able to collect from you. If the debt collector first contacted you within the past 30 days, you can have the debt validated. This process requires the collector to provide proof that you owe the debt. If the collector can’t validate the debt or doesn’t respond to your request, the debt has to be removed from your credit report. |
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| Dispute After Seven Years |
| According to the Fair Credit Reporting Act (FCRA), past due accounts can only remain on your credit report for seven years from the first date of delinquency. Sneaky collectors often try to re-age a debt, making it look like the account became delinquent later than it actually did. This keeps the debt on your credit report longer. Credit Repair can actually help you in removing any accounts that are currently 7+ years old and still on your credit report. |
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| Dispute When Collectors Sell |
| Collection accounts often change hands every six months or so. Debts are assigned and sold to other collectors, so there’s a strong possibility the collection agency listed on your credit report isn’t the agency that's currently collecting on the debt. When this happens, credit repair can typically have the collection account removed. |
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| Pay For Delete |
| If credit repair can't remove the debt by disputing it, you can negotiate with the collector to have the account removed from your credit report in exchange for payment. This payment is usually able to be negotiated to 40% or less in some cases. |
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| Click here |
| for a look at where you spend your money |
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| Do you have accounts in COLLECTIONS or are you just running late? Debt Settlement may be the solutions for you. |
| Did you know? |
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| Credit Counseling is NOT factored into your FICO® score! |
Call to learn more. |
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1-800-489-8985 |
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| Fair Isaac® and FICO® score are trademarks and/or registered trademarks of Fair Isaac Corporation |
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