Now that we’ve squared away the credit repair process and what credit repair is and isn’t, let’s talk about the reason you’re here in the first place, you’re bad credit and how it’s affecting your credit score and your financial life.

How Much Is Your Bad Credit Costing You?


What is Bad Credit?

Poor credit takes on many forms and names, but in general, bad credit refers to each and every negative piece of information being reported by one or more of the three major credit bureaus, Equifax, Experian and Trans-Union, on your individual credit report.  The reporting of this negative information will lead to a bad credit rating and a bad credit score, ultimately limiting your ability to obtain a credit and loans, or at the very least making credit much more expensive for you.

Although there are multiple ways that this negative information can be reported, there are a few main categories of bad credit that, with knowledge and perseverance can be addressed and in many cases removed.  The main categories are:

Late Payments

Late payments are one of the most frequently reported bad credit items.  A single late payment being reported on your credit report can cause a drop of 100 points or more to your credit score.  Additionally, with the new “Universal Default” rules, other lenders can look at this single late payment and, without notice raise your current interest rate to their maximum levels of 30% or more, reduce your credit line, and even cancel your current account completely.

Our firm has been very successful in helping our clients quickly and efficiently remove these late payments that do not meet the requirements of the federal laws, restoring and improving their credit worthiness.



It’s tough enough having to deal with the harrassing telephone calls and letters from collection agencies, but even worse, is the games that many of these agencies play with your credit report.  One tactic that we have found particularly troublesome is what we refer to as “Collection Leverage”.  Collection leverage is used by the debt collectors who threaten you with reporting further bad credit history to the credit bureaus and being less than truthful and misleading in how they report an item to get you to pay them.

Thankfully, we have found that for many of our clients, our firms aggressive enforcement of their rights has resulted in many of these deceitful collection accounts being permanently removed from their credit files.


Charge Offs

A charge off occurs when a lender, either because they are required to by law or because of internal procedures, makes an accounting notation that a debt should no longer be considered collectible.  It is important to note that this is an accounting adjustment only and does not mean that they will stop trying to collect on this debt.

A charge off is a huge red-flag on your credit report, and having just one charge off on your credit report is enough to stop you from getting a loan or credit card for up to 7 years.

“a charge off is the No.1 reason for being denied credit”   –

If you have a charge off listed on your credit report then you must take action immediately to address this this bad credit information.  Our firm has successfully helped thousands of clients remove charge offs from their credit reports through our proven credit repair processes for not complying with federal requirements.



It’s no secret that the number of foreclosures being listed on consumer credit reports has sky-rocketed since 2008.  A foreclosure listing on your credit report will in almost all cases, mean an automatic denial of a loan application for at least 2 years from the date it was reported.  This is in addition to an immediate and precipitous drop in your credit score.

In our experience of repairing the credit reports of more than 25,000 consumers, we have determined that a foreclosure listing is just as likely to contain significant errors and omissions as any other entry on a credit report, if not more so.  As you know from the news, the foreclosure process is filled with inaccuracies and misrepresentations by the banks.  This flawed process means that with the right strategy and professional help it is definitely possible to have a foreclosure removed in many cases.



A repossession listing on your credit report, whether voluntary or involuntary, of an automobile or other asset can make it difficult if not impossible to obtain a new loan for that class of asset for at least 7 years.  However, with the right strategy and tactics, this damaging bad credit too can be removed.

By following through with our proven processes, implementing what we have learned from enforcing the credit rights of thousands of clients for 8 years, our firm has been remarkably successful in helping clients with a repossession listed on their credit reports, remove that information when it does not explicitly comply with governmental regulations, and allow them to once again purchase a car at an affordable interest rate.



A lien can be placed against you or your property by a government agency, or in some cases by an individual person or business.  A lien is generally placed as a result of not paying a debt owed to the party placing the lien.  Obviously, because a lien is placed as a result of non-payment, creditors treat this type of negative information very seriously and can result in your request for credit being denied or if approved it will be at a significantly higher interest rate.

Liens like any other negative information that does not meet the federal guidelines must be removed immediately from the clients credit report.  The professional credit repair services provided by our firm has been successful in removing thousands of liens from our clients credit reports allowing them to transform their bad credit into good credit.


Identity Theft/Fraud

Identity Theft and Fraud are serious crimes that impact millions of consumers each year, and this crime is growing at an alarming rate.  When a person becomes the victim of this crime the effects can be devastating.  Unfortunately, in many cases, this is a hidden crime that does not reveal itself until either the debt collectors begin calling you on debts that you never had, or you had enough foresight to regularly check your credit reports for accounts that you do not recognize.

Trying to undo the damage of identity theft from your credit report has been reported to cost individuals hundreds of hours of lost time dealing with the credit bureaus.  Our firm has helped ease this burden for thousands of victims alleviating the pain and stress of dealing with the bureaucracy and red tape of the credit bureaus.  If you have been the victim of identity theft or fraud we would welcome the opportunity of providing you with some much needed relief by effectively dealing with the credit bureaus on your behalf.



In many cases, filing bankruptcy can be a welcome relief.  However, the result of filing bankruptcy is that every item on your credit report just went from bad to worse in the eyes of a lender.  Knowing that you have taken advantage of this relief once, the lender becomes gun-shy that you may do it again, only this time to them.  Filing bankruptcy touches every line item on your credit report in a negative manner,  making it extremely difficult to obtain credit for as long as it is reported.  In general this is between 7 and 10 years from the time your bankruptcy was discharged.

The good news, however, is that it is quite common for the bureaus to be very sloppy in how they report an item that was included in bankruptcy.  Their lack of attention to detail allows us to attack their reporting, and very often results in the devastating items being permanently removed.



A judgment being reported on your credit report also has a tremendous negative impact to your credit, directly translating to a significantly reduced credit score.  A judgment is reported on your credit report after you have been sued and either lost the case or never showed up for court resulting in a default judgment against you.

Because of the cost of actually filing suit and taking you to court, in addition to the fact that a creditor was not paid in the first place, means that a judgment being on your credit report will cause any lender to almost summarily reject your credit application.

On the upside is, once again, a breakdown in the credit bureaus process.  When collecting judgment information the credit bureaus follow a flawed process that means in a high percentage of the cases we have dealt with, there are significant reporting errors that, because of the rights given to you under federal law, this negative information that is not in compliance must be removed.  Our proven process has demonstrated this fact time and again as we have been successful in removing scores of judgments from our clients credit reports.


How To Fix Bad Credit.

Now that we have looked at and defined the major classifications of bad credit and the impact that they have on your credit report and credit score, the question becomes “how do I fix bad credit?”

The answer is, thankfully, quite easy.  Our team of attorneys and professionals have been helping tens of thousands of consumers fix their bad credit for more than 8 years.  We have perfected both the strategies and tactics as well as having a bullet proof system in place to make sure that the bureaus comply with the laws empowering you the consumer to have the most positive credit report possible.  We would like to help you achieve this same level of success starting today at our client friendly rate of only $29 per month, with a one-time file set up fee of $89.  There are no long term contracts, and our services are backed by a full refund policy.

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Get started today, and let our attorney’s and professionals start to quickly and easily enforce your rights, improving your credit and raising your credit score today.  Click here to Get Started Today!