Skip to main content

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: 
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

Popular posts from this blog

Credit Sweep Q&A #1

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. 
Which items can be deleted? (Not to be limited to) Late paymentsCollectionsCharge-offsBankruptciesJudgmentsLiens InquiriesForeclosuresIdentity theftIncorrect informationWhich items cannot be deleted?
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
What is the time frame? The turn around time is 45-60 business days to complete the file. Busine…

1000s of collections removed with this FREE VOD letter!

I'm giving you the 1st of a 4-letter collection removal campaign that's removed thousands of collections in the past 12 months for FREE! You'll find the link to the letter in the video. Believe me, if you're even 1/2 as successful as my other clients, you'll be very, very impressed.
For those of you who need some help, I provide a free consultation to take over your file and do the dirty work for you. For those of you DIY-ers, I provide 3 new DIY packages on the new services page of the website. You may also request a 1-hour session to go over your file and get my advice and an action plan @ $85 p/h. Just schedule an appt on the website.
Check it all out at