Collections Accounts

These are accounts which have been sold or transferred by the original creditor to the third party collection company or attorney collectors. In such cases the debt no longer belongs to the original creditor and is considered “charged off”.
read more...

Late Payments

A late payment is reported by the creditor to the Credit Bureaus when you are 30 or more days late.
read more...

Judgments

These are court orders for payment of debt or monies owed to creditor or other parties who may have sued you and won a judgment against you in court.
read more...

Tax Liens

A tax lien is put on a property by law to secure payment of taxes. Tax liens may be imposed for unpaid taxes owed on real property or personal property, or as a result of failure to pay income taxes or other taxes.
read more...

Bankruptcy

Upon filing and being accepted for a bankruptcy process, all creditors to be included in bankruptcy are marked with “Included in Bankruptcy” on your credit report.
read more...

Foreclosure

Foreclosure is when the mortgage payments for a mortgage have not been paid for a long enough period for the bank to begin process of taking back and selling your property.
read more...

Student Loans

Most of these loans are federal funds and are under very strict collection policy. Student loans DO NOT expire and can be valid for life.
read more...

Credit Rebuilding

After negative item removal and as part of your total credit report health we employ effective and proven methods to get your credit score to the Top quickly.
read more...