Credit Repair

You bought a Thermometer Fork and Sham-Wow with a credit card you forgot existed.

You forget to make a payment. After two months, the payment is sent to collections. And that negative news ends up on your credit report.

Why didn’t you listen to your parents about fiscal responsibility?

Your credit score falls from 780 to 590. Potential lenders are now less interested in issuing you credit, or will require you to pay a much higher interest rates for any monies borrowed. If you want to get your credit score back to 780, you should explore the process of credit repair.

This is a process of disputing errors on your credit report, paying off existing debts, and requesting to have previous debts removed as well. However, it’s not just individual, personal failings that may require credit repair. Victims of identity theft may require credit repair services to address debts accrued.