Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed. Inquiries are a very small aspect of your credit score however and they commonly do not affect your credit score past 90 days. We usually approach these last if you would like us to, instead, we focus on the more critical items affecting your credit to begin with.
Yes, our proven methods of dispute can remove repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple late payment for example. However, there is no action step or approach that we won't take.
Yes, we can also recommend a great debt negotiation service that can have your collections and other outstanding debts negotiated in most instances by 50%!
There will be a team working on your credit (usually three), and generally we have all of our clients supported by our entire team. However, if you want one person we can provide that as well. It's your choice.
It all depends. There are no two credit reports that are exactly the same. This means that improvements we make on one person's credit may or may not improve the score as much as another's. The “average”, we've found, never applies. We've seen scores go up 200+ points, and others just get the 20 point boost they needed to qualify for their home loan. Everyone's results will vary, but, you can be certain we will get you the best results possible. And with our “unbeatable satisfaction guarantee®” you have nothing to lose.
A better question would most likely be "what items cannot be removed". We can remove everything you can imagine. Here is a list of some:
Unfortunately, the credit reporting system just doesn't work that way. When you pay your debt, the negative credit listing doesn't disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. If you can afford to pay off your debts, we would always advise you to however.
Easy! Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that a positive improvement with that account (such as a late history) has been made. If an account was removed all together from your credit report, it means that a negative items has been removed from your credit. Usually these items are collections, charge offs, foreclosures, etc. We'll also point out important progress made within your client account which you'll have online access to.
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