Learning Center

Late payment

Most people know that if they pay their bills late, their credit scores will suffer. However, most people don't know this: a single 90-day late payment is as damaging as a bankruptcy filing, a tax lien, a collection, a judgment, or a repossession. It doesn't matter if you're late paying a $50 credit card bill or a $2,000 mortgage payment. All that matters is that you were 30/60/90 days behind in paying your due balance. 90-120 day late payment is extremely damaging. At around 90-120 days, the creditor will usually write off the account and it will stay on your credit report as a charge off for 7 years.


Collection accounts showing on your credit report can make your life very difficult. It is almost impossible to get credit of any kind with collection accounts on your record. Collection accounts can remain on your credit report for 7 years from the date of the initial missed payment that led to the collection (the original delinquency date). Removing collections can be very hard, but with a little persistence and know-how they can definitely be removed from your credit report.


Having charge offs on your credit report, usually results in the consumer being denied credit by other lenders. Even worse, it can also affect the interest rate that other lenders charge on current debts even if those lenders were not impacted by the charge off themselves. If you have charge offs on your credit reports, your ability to obtain credit will be seriously impaired. The best thing you can do is remove charge offs from your credit report.


A bankruptcy can have a devastating effect on your credit score. A bankruptcy listing on your credit reports to many lenders is the only thing they need to see to determine you are completely unworthy of credit. If you have fallen on some hard financial times, you may be looking into repairing your credit. If you have to declare bankruptcy, it can show up on your credit report for up to 10 years. However, you do NOT have to wait up to 10 years before being able to get a mortgage, car loan or any other type of credit again.


Whenever you apply for credit, most lenders will request a copy of your credit reports. This request is listed as an inquiry. Racking up too many inquiries in a short period of time will have a negative effect on your score. Our Inquiry Removal service will help you permanently remove any unwanted inquiries from your credit reports. Removing these damaging inquiries from your reports will help increase your credit score and your appeal to lenders.


A foreclosure can be reported on your credit report for 7 years and should be avoided at all costs. A foreclosure can be devastating to your credit scores. If you have a foreclosure on your record, credit repair should be one of the very first things you look into. A foreclosure can be deleted from your credit report just like any other negative account, but you must know what you are dealing with or you could actually make matters worse.

Personal information clean up

People having incomplete, inaccurate, or even duplicated personal credit files are an instant red light to lenders. It is also a sign of possible identity theft. This is designed to help keep your credit reports organized, correct, and updated. TCRS service helps protect your personal information to prevent identity theft. Also gives you a solid base on which to rebuild and establish an improved credit history.


Many of us have found judgments on our credit reports. A creditor files suit for payment and the courts place a judgment in order to enforce payment. A judgment may or may not be valid, but having it show up on your credit report can still cause you significant problems if you don't deal with it. A credit account judgment can lower your FICO Score and stay on your credit report for up to seven years. The last few years due to technology, for the most part, judgments can and are removed from tens of thousands of reports every year.

Tax Liens

Tax liens on your credit report can haunt you for a long time. A paid tax lien can stay on your report for as long as seven years and an unpaid tax lien for as long as 15 years. That is a long time to suffer with the bad credit of a tax lien. It is one of the hardest things to dispute. However, in certain cases you can get the tax lien removed from your credit report.


It happens. You go out and purchase a car, the payments are reasonable, you can handle the debt and then things happen. You lose your job. You get a divorce. And all of a sudden that easy payment on the car is not so easy anymore. Give it a couple of months and the tow truck comes and tows it away. But that is not the worst of it. The repossession showing on your credit follows you around for years. You can't buy another car. You can't buy a house. Everywhere you turn you are reminded of that car that you weren't able to pay for. But you can get a repossession removed from your report in certain instances. Professional credit agents can help you out.

Identity Theft/Fraud

Identity theft occurs when someone uses your personal information to commit fraud or other crimes. The thief takes your Social Security number, bank account number or other information and causes problems, like taking out loans in your name or charging money to your bank account or credit card. If you are a victim of identity theft we can help you to dispute a fraudulent debt and clean up your credit report and then take steps to prevent yourself from further victimization.

Opt out

Credit card companies are always trying to sign up new customers, and they send out millions of letters each year soliciting your business. Our Opt Out service eliminates these unsolicited offers. This service will not only save you the headache of large amounts of junk mail, but it will prevent someone from filling out a discarded application in your name.

Establish Credit

When you don't have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. If you don't have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any? As we help you obtain credit cards, you will begin to build credit. Our program will show you exactly how to start building your future credit history and how to rapidly establish more accounts with no money up front.

Chex System Report Repair

The ChexSystems is a network of banks and credit unions that share information about mishandled checking and savings accounts. This information is used to help member banks and credit unions determine their credit risk in opening a new account for potential customers. Like a credit bureau, the ChexSystems has negative items and inquiries on the report. If you have been rejected for an account, call us today for consultation.