Get a handle on credit debt!
Get a handle on credit debt!
We focus on placing an emphasis on removing those pesky inquiries that are plaguing your reports without you having to wait two years for them to fall off
If your credit score starts with a 4, 5, or 6, I’m telling you right now stop playing.
Late payments, collections, charge-offs, inquiries… that stuff is destroying your financial freedom.
Becoming an authorized user on someone else’s credit cards can help to increase your score. THEY MUST HAVE GOOD OR EXCELLENT credit to bring you up. Also, once you remove your negative accounts, apply for a shopping card at a store, such as Target, or apply for another credit card. PAY ON TIME and NEVER CARRY A BALANCE. ALWAYS PAY IN FULL AT THE END OF THE MONTH.
The Credit Bureaus have 30 days from when they receive your letters to postmark a response to you. So, if you send your letters out and they get them on Jan 1st, they have until Jan 31st to mail you a letter. Therefore, it may take a few extra days sometimes to get a response answer to this item.
Yes, you can definitely dispute student loans with the credit bureaus. They are sometimes very hard to remove, but keep fighting and you will figure it out.
Yes it can. You want to wait until the dispute is finished (the 30 days), and then you can dispute with the letters that we provide. Make sure only one person or company is handling the disputes.
We love our customers, so feel free to visit during normal business hours.
619-439-3170 ELLIS WHITE
The Credit Guru
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