#1 Collections

When an account goes unpaid for an extended period, lenders often turn it over to a collection agency. Collections are serious marks on your credit report and can significantly lower your score. We help investigate the accuracy of these accounts and challenge any information that may be incorrect or outdated, giving you the chance to restore your financial credibility.

#2 Charge-Offs

A charge-off happens when a lender declares a debt uncollectible and writes it off as a loss. However, even after being charged-off, the debt still appears on your report and continues to damage your score. We assist in reviewing charge-offs for accuracy and work on strategies to dispute or resolve them.

#3 Late Payments

Just one late payment can negatively affect your credit, and repeated late payments are even more damaging. These records show lenders that you may be unreliable with future payments. Our team guides you in disputing inaccurately reported late payments and provides education on how to manage payment schedules more effectively moving forward.

#4 Bankruptcy

Declaring bankruptcy is one of the most damaging events that can occur on a credit report. While it may provide relief from overwhelming debt, it also signals financial instability to lenders. We help clients navigate the aftermath of bankruptcy by identifying inaccuracies and offering resources for rebuilding a healthy credit profile over time.

#5 Repossessions

When payments on a financed asset such as a car are not made, the lender has the right to repossess it. Repossessions not only cause immediate loss of property but also leave a damaging record on your credit. We assist in verifying the legitimacy of these records and disputing errors whenever possible.

#6 Foreclosure

A foreclosure occurs when a mortgage lender takes possession of a home after missed payments. This is a major setback that stays on credit reports for years. Our process involves examining the accuracy of the foreclosure entry and offering solutions to minimize its long-term effects on your credit.

#7 Judgments (No Longer Reportable)

Since 2018, civil judgments have been banned from consumer credit reporting. Still, they sometimes slip through. If a judgment appears on your credit report, it’s a violation of current reporting standards — and we can help you get it deleted. These items usually stem from court-ordered debts or lawsuits, and their presence can unfairly damage your score. Our process identifies, challenges, and removes them permanently.

#8 Tax Liens

Tax liens are government claims against your property for unpaid taxes. Before 2018, these records could severely damage credit scores and linger for years. Today, they are no longer permitted on credit reports. If you still see a lien listed, it’s likely an error or outdated public record. Our team helps you identify these violations and demand their permanent removal to restore your credit integrity.

#9 Inaccurate Information

Mistakes on credit reports are more common than many realize. Whether it’s an outdated balance, accounts that don’t belong to you, or errors in payment history, these inaccuracies unfairly damage your score. We specialize in identifying and disputing such information, ensuring your credit report reflects your true financial behavior.