Ultimate Credit Repair Blog

January 23, 2019

How to Repair Your Credit Report After Identity Theft – (w/ Free Template)

Millions of Americans, myself included have been victim to identity theft. In addition to dealing with the feelings of vulnerability and hopelessness we have to fight the creditors and credit
Charge-off Removal
September 19, 2018

How to Remove Charge-offs from your Credit Report

Over the years, working as a credit advocate, I’ve found that charge-offs are the most stubborn of all accounts to remove from the credit report. Now let’s dissect what these
June 2, 2018

How to Remove Collections from your Credit Report

Over the last 15 years, in helping my clients increase their score, I’ve found collection accounts to be the most commonly occurring negative account. As you know a collection account,
Dispute comment removal
April 11, 2018

How to Instantly Remove Dispute Comments from Credit Reports

I frequently see that lenders will often decline a loan, especially a mortgage loan, if there is a dispute comment showing on the credit report. Often they will ask for
Delete Credit Inquiries
April 2, 2018

How to Remove Inquiries from Your Credit Report

Credit inquiries are the most misunderstood items relating to credit scoring. The Fair Isaac Corporation (FICO), which compiles credit scores for the three major credit bureaus, likes to keep consumers
March 7, 2017

The Most Effective Credit Repair Dispute Letter for Credit Bureaus

If you’re looking into credit repair,  the Fair Credit Reporting Act’s (FCRA) Section 611 allows for consumers to challenge questionable items on their credit reports. May it be late payments charge-offs,
IRS lien public records removal
February 8, 2017

How to remove IRS Tax Liens from your Public Records

Given the complicated US tax system, it’s not surprising that hundreds of thousands of citizens have some kind of tax lien reported on their public records. A tax lien is
Credit repair secrets
July 2, 2015

How to Increase Credit Scores Using These 4 Simple Hacks

Credit scores also known as Fico Scores range between 300 and 850, with scores over 700 being considered respectable scores, score below 660 would find it difficult to get approved
July 2, 2015

How to Remove a 30 Day Late Payment From the Credit Report

A recent 60 or 30-day late payment may drop the credit score as much as 60-100 points. Let’s face it Fico credit scores are unfair.  Minor recent late payments affect
Pay for Delete
July 2, 2015

How to Settle a Collection in Exchange for Deletion

If you recently decided to embark on the credit restoration journey by attempting to settle collections that you have on your credit report, you will be surprised to know that
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