Everyone makes mistakes, including forgetting to pay a bill or having a debt go to a collections agency. You may have fallen on hard times and weren’t able to keep up with installment payments. Whatever the reason that you have a collections debt, it doesn’t have to affect your credit score forever. The team at Credit Score Revival (CSR) can help you with your unpaid collections removals from your credit report.
Even if you’ve paid a debt that went to collections, it can still impact your credit score. Credit reporting bureaus don’t have to remove the item — even if it’s settled or successfully disputed — from your credit report until or unless they’re required to. Even if the debt is old, it can affect your ability to secure a mortgage or get a car loan.
We offer full-service credit counseling services, even if you’ve had foreclosure or bankruptcy. Give us a call for more information about your bankruptcy removal timeline and what to expect.
The major credit bureaus may have items on your credit score that go back years. These agencies aren’t required to keep up with what items are on your report, but many will work with a professional debt correction service. It can be hard to negotiate with large credit bureaus on your own, however, and you may not know what information that a credit agency needs for unpaid collections removals.
Are you also wondering what the best credit report to order now is? There are three major companies, plus some smaller ones, so it can get confusing when you’re looking for a credit bureau report.
If you’ve spotted an inaccurate credit collections debt on your credit report, you may not be able to remove it. If the debt has been paid, it can remain on your credit report for up to seven years. If you haven’t paid the debt, and it is a legitimate debt, then your options are even more limited. However, a professional online service that provides easy removal for those who have had difficulty with credit collections may be able to negotiate on your behalf. Full-service credit repair can help remove negative items of all types, including derogatory marks.
This is where having professional online services to help with unpaid collections removals can help with removal from credit reporting. For example, you may be eligible to have the debt reduced as a goodwill exception by the creditor.
Your credit score is a compilation of all your financial history, from debts to assets and income, to your ability to repay debts or pay bills on time. When your score goes down, it’s because of a derogatory mark on your credit. These negative items can include collections debts, repossession, foreclosure, or even something as simple as missed payments on bills or a car payment. However, if you notice that the derogatory mark is an error, you can work with the credit bureaus or the creditor to have it removed from your credit report.
Don’t let unpaid collections linger on your credit report. Breathe easier with the online services from CSR. Our Hershey, PA-based team can help you remove old debt from your credit bureau report, plus provide you with financial advice to keep your credit score high. We serve people looking to rebuild their credit from Philadelphia to Pittsburgh and all across the US, including locations such as Hazelton, Chester, and Reading, PA. Come discover the difference the best credit correction service has to offer!