The Long-Term Impact of Negative Listings on Your Credit Report
Defaults
Serious Credit Infringement (SCI)
Summons & Writs
Court Judgments:
Good Credit VS Bad Credit
When you have good credit, you can access financing from top-tier lenders with better terms and lower interest rates. On the other hand, bad credit limits your options to non-conforming lenders who charge higher interest rates due to the increased risk. Good credit opens doors to better financial opportunities, while bad credit can result in stricter terms and higher costs. Maintaining a strong credit profile helps you secure better financial outcomes and long-term savings.
Our Proven 4-step Process to Restore Your Credit
Step 1: Assessment
We assess your credit file to identify negative listings and potential opportunities for removal. A full credit check is conducted across Equifax, Experian, and Illion to gather the necessary information and provide a clear understanding of your credit position.
Step 2: Credit Check & Investigation
Once we determine that you have a strong case, we charge a small investigation fee and obtain your written consent. We then work closely with you to assess your situation, understand your financial goals, and build a strong case for the best possible outcome.
Step 3: Audit & Submission
We conduct a thorough audit to ensure the creditor’s compliance with credit reporting regulations and request all supporting documentation. Our team prepares a compelling case and submits it to challenge the listing, working diligently to achieve a positive resolution.
Step 4: Resolution & Free Debt Negotiation
We only charge a removal fee once we receive written confirmation from the creditor that the listing—whether an adverse entry, default, or judgment—will be removed. If we are unable to remove it, no fee is charged. As a free bonus, we negotiate with creditors to help reduce your outstanding debts at no extra cost, offering you additional financial relief.
