I’m worried about the collections on my report. Will they keep me from getting a mortgage?

There are a lot of credit repair strategies you can use to shape up your credit for a mortgage application. And there is no reason in the world that you cannot reach your goal in a reasonable amount of time.… Read More

I got a bunch of collection letters a few months ago; can your credit repair services help me with these?

We include debt validation as part of our credit repair services. Debt validation should be done within 30 days of the receipt of a collection letter.… Read More

I stopped paying my credit card bills and they have been charged off and turned over to collectors. Can credit repair erase these collection accounts?

Credit repair is not about erasing debt or removing accurate information from your credit report. Having said that, it is always worth a close look at your reports to see if there are any reporting errors that need to be corrected.… Read More

I just noticed that I have inquiries from a couple of collectors. Are they allowed to check my credit?

Collectors are allowed to check your credit. The Fair Credit Reporting Act lists all of the “permissible purposes” for which the credit bureaus are allowed to furnish credit reports.… Read More

I got a collection letter, should I ignore it?

No one likes getting a collection letter. But you should not ignore it. On the contrary, you should open it right away as it may provide useful credit repair ammunition. You might be surprised to hear that a significant number of collection letters are not valid.… Read More

A collector keeps calling me about a debt I know nothing about, any ideas for me?

Collectors can be persistent, but then again, that’s their job! We advise our credit repair clients to politely ask the collector to put the request in writing and send it in the mail.… Read More

I have three collections for the same old charge-off, is this right? Can you help?

When a collector sells a debt to another collector, or returns it to the original creditor they are supposed to remove the collection account entirely from your credit report.… Read More

Does the reporting period get extended when a collector updates an account, or when a new collector buys a debt?

When a collector takes over a collection account they inherit the reporting period start date. Collections are supposed to stop reporting seven years plus 180 days from the original date of default.… Read More

How can I stop a collector from calling me?

There are a variety of credit repair tools available to stop collectors from calling you.

Valuable Advice

Here is a general admonition that we offer to all of our credit repair clients who receive telephone contact from collectors: If you are contacted by a collector via telephone you should inform them, politely but firmly, that you do not discuss your personal financial business over the telephone.… Read More