Collections Removal

Collection accounts are among the most damaging items on your credit report. A single collection can drop your score by 50 to 100 points, regardless of the amount owed. Many collection accounts contain errors in the balance, dates, or even the original creditor information. Our specialists scrutinize every detail of each collection account, looking for violations of the Fair Debt Collection Practices Act and inaccuracies that give us grounds for removal.

We challenge collections from medical providers, utility companies, credit card issuers, and third-party debt buyers. Even paid collections remain on your report for up to seven years unless successfully disputed. Our team has extensive experience identifying procedural errors that collection agencies commonly make during the debt validation process, giving us leverage to push for complete removal rather than simple updates.

Late Payment Removal

Payment history accounts for approximately 35 percent of your FICO score, making late payments one of the most significant factors dragging your credit down. Even a single 30-day late payment can reduce your score by 60 to 110 points, with the impact lasting up to seven years. Our team works with creditors and credit bureaus to identify and challenge late payment entries that contain reporting errors.

Common errors include incorrect dates, duplicate reporting of the same late payment, or payments reported as late when they were actually made on time. We also pursue goodwill adjustments with original creditors for clients who have an otherwise strong payment history. Our dispute letters are crafted based on nearly two decades of experience understanding what language and evidence produces the best results with each bureau.

Bankruptcy Disputes

Bankruptcy is one of the most serious items that can appear on your credit report, remaining for seven to ten years depending on the chapter filed. However, bankruptcy records frequently contain errors that can be challenged. Accounts that were included in a bankruptcy discharge should show a zero balance with the correct status, yet many creditors fail to update their reporting after discharge.

Our specialists review every account associated with your bankruptcy to ensure accurate reporting. We challenge accounts that still show balances after discharge, incorrect filing dates, accounts incorrectly linked to your bankruptcy, and duplicate entries. Even when the bankruptcy itself cannot be removed before the statutory reporting period expires, cleaning up the associated account reporting can produce meaningful score improvements.

Charge-Off Disputes

A charge-off occurs when a creditor writes off your debt as a loss, typically after 180 days of non-payment. This designation severely impacts your credit score and signals to other lenders that you failed to fulfill a financial obligation. However, charge-off entries are frequently riddled with reporting errors that provide grounds for dispute.

We examine the date of first delinquency, the charge-off amount, the account status, and whether the creditor followed proper procedures before designating the account as charged off. Charge-offs that have been sold to collection agencies create an additional layer of complexity, as both the original creditor and the collection agency may be reporting the same debt with conflicting information. Our team identifies these discrepancies and uses them to build strong dispute cases.

Judgment Removal

Civil judgments from court cases related to unpaid debts can severely damage your creditworthiness. These public records indicate that a court has ruled against you in a debt-related matter. While the three major credit bureaus changed their policies regarding the inclusion of certain public records, some judgments may still appear and cause harm to your credit profile.

Our team reviews court records and credit report entries to identify discrepancies in dates, amounts, and case details. We challenge judgments that have been satisfied but not updated, those that have exceeded the allowable reporting period, and entries that contain inaccurate information about the original debt or the court proceedings. In many cases, procedural errors in how the judgment was obtained or reported give us the basis for successful removal.

Tax Lien Disputes

Tax liens, particularly those filed by the IRS or state tax authorities, represent one of the most damaging entries on a credit report. Federal tax liens can remain on your report for up to ten years after they are paid, and unpaid liens can stay indefinitely. The good news is that reporting standards for tax liens have tightened significantly in recent years.

Our specialists verify that every tax lien on your report meets the current identification requirements, including your full name, address, Social Security number, and date of birth. Liens that fail to include all required identifying information can be disputed for removal. We also challenge liens that have been paid or released but not properly updated, and those that have exceeded the maximum allowable reporting period.

Repossession Disputes

Vehicle repossessions remain on your credit report for up to seven years and can drop your score by 100 points or more. The repossession process involves multiple steps, and errors at any stage can provide grounds for challenging the entry on your credit report. From the notice requirements to the sale of the vehicle, there are numerous points where creditors must follow specific legal procedures.

We examine whether proper notice was given before repossession, whether the sale of the vehicle was conducted in a commercially reasonable manner, and whether the deficiency balance was calculated correctly. Many repossession entries contain errors in the balance owed, the date of repossession, or the account status. Our team leverages these discrepancies to build compelling dispute cases aimed at complete removal of the repossession from your credit report.

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