700+ Credit Club will find ways to improve your credit by removing inaccurate negative items that are holding back your credit scores.
Take the next steps to improve your successful financial journey by following these three simple steps:
Enroll – We’ll give you a FREE consultation and credit analysis.
Let’s Get To Work – While we use the law to challenge negative items on your report.
See Results – Log in to see real-time updates every step of the way.
We help improve your credit by removing the following items:
When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts have a significant negative impact on your credit scores.
You have a 30-day grace period with your creditors before they can report it to the Credit Bureaus. We can dispute late payments based on inaccuracies of the date they reported to the Credit Bureau or we can make a request of a "GoodWill" Courtesy Removal.
These can be harmful to your credit score. Each hard inquiry usually causes a small credit score to decrease for a borrower. Hard inquiries can remain on your credit report for two years. A high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender. We can dispute this based on inaccuracies or make a request of a Goodwill Courtesy Removal.
A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months. These can include balances from a credit card, mortgage, or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.” But that doesn’t mean you’re off the hook. Even though your account is charged off and the creditor reports it as a loss, you’re still responsible for paying back the debt. And the charge-off can remain on your credit reports for up to seven years from the date your first missed payment was reported.
Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come. First, the late payments leading up to the repossession will damage your credit score once they're reported to the credit bureaus. Then, the repossession itself will be listed in the public records section of your credit report.
Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!
Other credit repair companies charge an average of $300 per deleted item which can become expensive quickly. Considering the average credit report has 11 items that could be removed. We make it affordable by proving UNLIMITED disputes and deletions for only a fraction of the cost.
It is REQUIRED that every client keeps their credit monitoring subscription while we are working on their credit report. Credit Monitoring is offered through Identity IQ for 24.99/monthly.
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Only items that fall under the guidelines of the FCRA and be disputed and removed. Generally, these are inaccurate, unfounded, out-of-date, false, and/or erroneous items that can be legally removed.
The process of improving credit varies case by case. Removing negative accounts may increase your score; however, there are more factors at play that can potentially affect your credit score.
Factors that can impact your credit score are:
These factors have a huge influence on your score.
On average, our clients begin to see improvement within the first 14 days of signing up, and a FULL recovery is typically between 30-90 days.
Yes, we can! We have a late payment removal guide to help speed up the process of removing those late payments and boost your score.
We also can remove the following negative items from your report:
In most cases, removed items do not return.
In the event that they do, collection agencies and credit bureaus MUST notify you before re-entering a previously removed item. While these agencies can transfer debts, you’ll have 30 days to respond.
In the event, however remote, that negative items reappear, we can remove them again promptly as they appear.
Our goal is to help you improve your credit so you can obtain the things that will help you live a better quality of life.
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