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!
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