Ultimate Credit Repair Blog

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 accounts are and how to address them effectively. What Are Charge-off Accounts?: If an individual falls behind for 30 days on a credit card, line […]

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, may it be a paid collection or an unpaid one, can severely suppress your credit score. Collection companies, when they attempt to collect a debt, [...]

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 the dispute comment to be removed before approving you.  Today I’m going to give you the template to remove such a comment. However, DO NOT […]

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 in the dark about the details of their proprietary credit scoring model. This article will help you determine if your specific credit situation will benefit […]

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, collections, tax liens, bankruptcies, judgments, foreclosures, or any personal identification information. Virtually any questionable negative information the credit bureaus have for you can be disputed [...]

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 filed in the event of unpaid taxes or an individual fails to file taxes. Until very recently tax liens did report to the credit bureaus, […]

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 for even small credit cards. Keep in mind that 58% of Americans have a Fico Score exceeding 700, 27% fall between 600 and 700, with […]

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 an individual with a perfect prior history much more negatively than an individual with an already low score. Now how long will a late payment […]

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 paying off the collection may actually decrease your credit score. A collection you pay off will still show on your credit report as a “paid […]