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7 Companies That Will Ruin Your Credit by Paying Late


I'm going to give you some pro advice that you can take to the bank:


Do EVER be late on these accounts, because they're extremely difficult to delete from your report:
Credit cards such as: Capital One, Macy's, Discover, Barclays, BOA, etc. 
Mortgage: Ocwen
*Credit Acceptance (car loan for bad credit): this company will sue you if you dispute against them either with the CRA's or directly; if you have this company on your file, I will NOT dispute it!
Student loans: If your loans are reporting with Dpt of Ed, the lates more than likely will NOT come off until the account goes to collection. I can then remove it. If your loans are reporting with Navient, it's much easier  because they're being sued after a 3yr investigation by the CFPB for failing to apply payments to millions of consumer accounts as well as tricking students into taking on loans at a higher cost than the one they're currently in 

Easiest to remove: 
Collections
Public records (bk's, tax liens, evictions and judgments) 

Another note:
Not everything derogatory needs to be removed from your credit file. The focus must be on raising the credit score, which means focusing on deleting the items that are less than 2 years old. Removing a charge-off (or other negative item) that's been on your file for 3-7 years can actually drop your score. Sounds crazy, right? Your score is made up of many factors, and one of them is the average length of time your accounts have been open. That includes your negative items as well as positive. 

Remember: It's not about having a "virgin" file. The point is to raise your score, obtain financial freedom and move on with your life. 

Call Expert Credit Sweeps today to learn how you can obtain the DREAM. What's the DREAM? Debt Relief that's Easy, Affordable and Manageable! 

(845) 481-0780 www.expertcreditsweeps.com



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Credit Sweep Q&A #1:

What is a credit sweep? What does this mean? A credit sweep is where we dispute the negative items contained in your credit report to get them deleted. Basically just "sweeping" away the negatives. We delete 100% of the negative items. There are restrictions, which I will post further down the page. Of course, there are items that we will not be able to get taken off, either because they validate with proof, as demanded, or for some other reason within the law. We do sweep all 3 bureaus and the inquiries as well. 
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Child support Foreclosures in process and unpaid Tax liens  *We are able to remove tax liens with proof of payment arrangement or proof of full payment
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30 total deletions on the 1st round! (Only public records shown).  Want to bring in the new year with better credit? Check out the website today to start your life! expertcreditsweeps.com