Inaccurate, unfair, or unsubstantiated items on your credit report?
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Collections Accounts
If an account becomes significantly overdue, the creditor may opt to transfer it to an internal collection department or sell the debt to a collection agency. Once the account is sold to a collection agency, it can appear as a distinct entry on your credit report. Collection accounts carry a substantial adverse effect on your credit scores.
Repossessions
Repossession has a detrimental impact on your credit score and is considered one of the most severe setbacks, causing long-lasting financial challenges. Initially, the late payments preceding the repossession will negatively affect your credit score when they are reported to the credit bureaus. Subsequently, the repossession event will be documented in the public records section of your credit report.
Charge offs
A charge-off occurs when a creditor gives up on collecting a debt after several months of missed payments. The debt is labeled as a loss for the company, but you are still responsible for repayment. The charge-off can stay on your credit reports for up to seven years from the first missed payment.
Late payments
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 Good Will Courtesy Removal.
Hard Inquiries
Hard inquiries can have a negative impact on your credit score. Each inquiry typically leads to a slight decrease in the borrower's credit score. These inquiries stay on your credit report for two years. If there are too many hard inquiries within a short span, it may be seen as an attempt to significantly increase available credit, which poses higher risks for lenders. However, we can challenge these inquiries based on inaccuracies or request a Goodwill Courtesy Removal.
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Look no further for a reliable company to get the job done. Shizzy and his team are highly professional and excel in their work. Clients consistently express their satisfaction with both the experience and the results. Contact LVL UP Credit Repair today and face your credit challenges head-on. You won't be disappointed!
Good Morning! Thank you for assisting my daughter Vanessa with improving her credit. Her closing date is May 24!!! Super excited!!! Thank you once again! Even though you may not hear it often continue to allow God to use you your truly a blessing too many !!! May your business continue to blossom đ
Thank you for removing my hard inquiries and those two collections so quickly. I will let all of my friends and family know about your excellent service.
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Frequently Asked Questions?
There are many âMythsâ in the Credit Repair Industry. These so called myths lead to many questions asked by our clients and many others at industry events we attend. Here are the most common questions asked by our clients, partners and industry associates.
Yesterday! That answer really depends on your personal goals. Whatever your personal credit and financial goals are, itâs important to remember that credit repair is not an overnight âquick-fixâ and takes time. Many people can start to see an increase in their score in as little as 30 days but the process of going from bad credit to good credit typically takes much longer. Your score didnât get bad overnight and it doesnât improve that way either.
Good credit is important as it affects different aspects of your life. It is a measure of your financial responsibility and creditworthiness, which helps you get lower interest rates on loans and credit cards. Maintaining a good credit standing is also significant for landlords and employers who check your reliability. Bad credit can cause you to miss out on job opportunities, housing, and loans. Therefore, improving your credit score is necessary, and you can achieve this by paying bills on time, reducing credit card balances, and disputing errors on credit reports. In summary, having good credit is crucial for financial stability and unlocking opportunities in different areas of life.
Improve your credit and unlock financial opportunities. Donât be fooled by pricey credit repair companies, we offer affordable solutions. Good credit opens doors to buying a house, getting approved for that car and getting your dream job. Take action today for a brighter financial future.
A few days, weeks, or a few months! There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation. Improving your credit score requires effort and cannot be accomplished overnight. While simple errors can be addressed promptly, complicated histories may take a while to fix. The most important thing is to take necessary measures by paying off your debts, staying current on your payments, and challenging any inaccuracies on your credit report. With consistency and hard work, you can boost your score and achieve your financial objectives.
We are here for you throughout your credit-repair experience. You can always email us with any questions you have. Weâll get back to you promptly so that you can always keep moving forward.
You can get a detailed copy of your credit report from here. Checking your own credit report wonât hurt your scores. Credit inquiries are defined as either hard or soft inquiries. Reviewing your own credit report is considered a soft inquiry, and soft inquiries donât hurt your scores. Checking your credit report at least once a year allows you to identify any mistakes and helps you manage your personal finances.
Understanding the components that makeup credit scores can help you wisely manage your credit decisions. To see how it all breaks down, hereâs an example of how scores are calculated with a popular algorithm. Your payment history makes up 35% of your score, while the amount you owe lenders represents 30%. The length of your credit history contributes 15%, and the types of credit accounts you maintain comprise 10%. Finally, new credit accounts are responsible for 10%. All of these values are then broken down into a credit score, which ranges between 300 and 850âthe higher the number the better.