Protected: Free Credit Repair Course: Lesson 3
Posted on January 13, 2009
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Protected: Credit Repair Course: Lesson 2
Posted on January 12, 2009
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Protected: Credit Repair Course: Lesson 1
Posted on January 12, 2009
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Does a Late Payment Equal 7 Years of Bad Luck?
Posted on December 4, 2008
Filed Under Credit Repair, Credit Report | Leave a Comment
If you have made a late payment on your bills, you may have heard that it takes 7 long years for it to be removed from your credit report. That much is indeed true. But how bad is a late payment, really? Will it totally damage your credit score for seven long years?
The answer is Yes and No. Let me explain. First of all, whether you have a 30, 60, 90, or 120 day late payment, it will take 7 years for this negative item to be removed from your credit report. That’s seven years from when it was originally reported. So, yes it will stick around for a long time. However, how badly does one late payment effect your credit score?
A 30 or 60 day late payment will only have a temporary impact on your credit score. In fact, 1 late 30 or 60 day late payment will have very little effect on your credit score. Obviously you want to avoid these at all costs; however, the good news it that if you have slipped up, you have a second chance. Lenders and credit card companies will still be willing to loan money to you if there is no other serious errors on your credit report; and as long as you dont make a habit of it.
The late payments that WILL have a serious negative impact on your credit score are those 90 days late and over. These bad guys will stick around for 7 years as well, but your score will also be seriously effected for that period of time (unlike the 30 day late payments). And unfortunately, if the 90 day late payment is legitimate; there is no way to have it removed from your credit report before the 7 years are up.
Overall, late payments can seriously affect your credit score; however, there is much more that is used to determine your credit worthiness than just late payments. To find out what you can do to improve your overall credit score; try our Free Credit Repair course.
American Express Late Payment: What to Do?
Posted on November 26, 2008
Filed Under Bad Credit Loans, Credit Card Collections, Credit Repair, Credit Report, Late Payments | Leave a Comment
So, you have a late payment with American Express hanging around on your credit report, huh? Maybe it was your fault, maybe it wasn’t; but either way, now its time to do something about it.
You may have heard that you can remove late payments from your credit report; however, I am here to tell you that these circumstances are few and far between. If you REALLY were late on your Amercian Express Credit Card, then you just can’t remove it.
If there was a mistake made with American Express and your payment really is not past 30 days late, then it never should have been reported to the credit bureaus. However, these types of critical errors on credit reports are actually only made about 2% of the time. But if you really feel like you are in that 2 percent, I recommend signing up for the free credit repair course that I have developed.
The best thing to do is to just pay off whatever balance you have to bring your American Express card up to date. Then make sure you never do it again. The Amercian Express late payment will drop off your credit report after 7 years, and you again will have a chance to be in perfect standing.
When is a Credit Card Payment Considered Late?
Posted on November 25, 2008
Filed Under Credit Repair, Credit Report, Late Payments | Leave a Comment
Obviously, when paying a credit card bill, you should pay on it as soon as possible. However, sometimes circumstances may arise and your payment may not arrive until after the due date. So, when does a late payment actually get reported to your credit report?
Creditors will not report a late payment to your credit report until your payment is at least 30 days late. So, if your check gets lost in the mail and your payment does not make it until 2 weeks after the due date; don’t worry, your payment is still considered “on time”. At least it will not affect your credit score in anyway.
The reason creditors allow for this cushion is unforseen circumstances. However, once the thirty days after your due date has expired, you will be reported to the credit bureaus if your payments has still not been received. If the payment is significantly past due, it will move into debt collections.
If you have a 30 day late payment (or greater), you should seriously consider taking some steps to repair your credit score. A higher credit score will equate better rates on loans in the future. To see what your credit score is right now and to learn how to repair your credit; try my free credit repair course below.
How do Chase Late Payments affect My Credit Score?
Posted on November 21, 2008
Filed Under Credit Card Collections, Credit Repair, Credit Report, Late Payments | Leave a Comment
If you recently had a late payments (past 30 days overdue) to Chase, you may be wondering how it affects your credit score. Unfortunately, having a late payment with Chase will cause your credit score to go down. However, there are some things that you might be able to do.
Chase reports any payment that is over past due to the three credit bureaus (Experian, Equifax, and TransUnion). So, if you were only 2 weeks late on a payment, don’t worry, it doesnt get reported on your permanent credit report!
The bad news is that your late payment has been reported to the credit agencies. However, the good news is that you can take some action right away to improve your credit score. You may or may not be able to actually remove the late payment from your report. But I want to share with you what I did when i had a late payment.
How to Remove Chase Late Payments
The very first step to repair your credit is to get a valid copy of your credit report. I used Experian to get a copy of my free credit report and score because they are one of the three legitimate credit bureaus. Not only did my credit report show me what was wrong with my credit, it also shows exactly where and how to contact the account with a Chase late payment in order to dispute it. Having my credit report made it easy. I recommend that you get a valid copy of your free credit report from Experian right here to start the credit repair process.
“My FREE Credit Report Showed me how to Improve My Credit Score!”
One of the easiest steps to improving your credit is fixing any errors that might be on your credit report. Did you know that according to a recent study, 4 out of every 5 credit reports contain errors on them? By simply viewing your credit report and correctly some common errors, you may be able to boost your credit score immediately! The best advice I can give is to get your valid copy of your credit report today and start the process of improving your credit.
Over time, I learned how to write credit repair letters to my creditors, how to remove judgements, chargeoffs, negative accounts, and deal with late payments including Chase late payments. So, I want to share what I learned with you that made such a dramatic increase in my credit score.
Free Credit Repair in 7 Steps
I have shared with you the first step to repairing your credit (getting a free copy of your credit report, and fixing errors). I have put together a 7 Step Free Credit Repair course that will teach you how to improve your credit. Its free. It is simply a series of 7 emails that explain the current laws and techniques needed to repair your credit score ON YOUR OWN! It will boost your credit score and help you get approved for the loans you need. Simply leave your name and email address below and I will share with you the 7 Steps to Credit Repair that I learned to improve my credit score from a 490 to 700.
Remove 30 Day Past Due Payment
Posted on November 19, 2008
Filed Under Credit Card Collections, Credit Repair, Credit Report, Late Payments | Leave a Comment
Are you wondering how to remove a 30 day past due payment from your credit report? This information will help you. All credit card companies consider a payment to be late when it is 30 days past due (but not before that time). This will be reported to the credit agencies and will be seen on your credit report for future applications to credit. (Also see: MasterCard Late Payment).
Having a late credit card payment or other ding on your credit will lower your credit score. This will make it less likely to get approved for auto loans, credit cards, mortgages, or any other loan. Or if you do get approved, a late payment in your history could make your interest rate higher.
I know that I was frustrated when I discovered I had a late payment on my credit report; fortunately, I discovered a way to remove 30 day past due payments from my credit report. Being able to clean up my FICO score really made me look better on applications for the future. I am going to share with you what I did.
Improve Your Credit Score
The very first step to repair your credit is to get a valid copy of your credit report. I used Experian to get a copy of my free credit report and score because they are one of the three legitimate credit bureaus. Not only did my credit report show me what was wrong with my credit, it also shows exactly where and how to contact the account with a 30 day late payment in order to dispute it. Having my credit report made it easy. I recommend that you get a valid copy of your free credit report from Experian right here to start the credit repair process.
“My FREE Credit Report Showed me how to Improve My Credit Score!”
Using the information on my credit report, I was able to remove my 30 Past Due Payment (and some other negative information) and my credit score went from a 490 to 700! With my new good credit score, I have been able to get approved for auto loans, credit cards, and other loans that I needed. The best advice I can give is to get your valid copy of your credit report today and start the process of improving your credit.
The credit repair process will begin with removing the 30 day Past Due from your credit report. However, everyone’s credit situation is different, so there may be some additional steps needed in order to maximize your credit score. Over time, I learned how to write credit repair letters to my creditors, how to remove judgements, chargeoffs, negative accounts, and deal with late payments. So, I want to share what I learned with you that made such a dramatic increase in my credit score.
Free Credit Repair in 7 Steps
I have put together a 7 Step Free Credit Repair course that will teach you how to improve your credit (including removing 30 day lates). Its free. Simply leave your name and email address below and I will share with you the 7 Steps to Credit Repair that I learned to improve my credit score from a 490 to 700. (In addition, I will share with you one powerful service that can actually do the hard work of credit repair for you).
MasterCard Late Payment
Posted on November 19, 2008
Filed Under Credit Card Collections, Credit Repair, Credit Report, Remove Collections | Leave a Comment
Are you wondering how to handle your MasterCard Late Payment? If you have a credit card with this company, they consider a payment to be late once it is 30 days past due. So, if you have a payment that is 30 days late or more, your account may have moved to their collections department or chargeoff if extremely late.
A late payment on your MasterCard credit card will negatively affect your credit. If the payment is over 90 days late it will severely affect your FICO score. However, I know from personal experience that there are certain things that you can do to take care of late payments on your credit cards. (Also see: Visa Credit Collections).
Fortunately, there are certain steps that you can take to repair your credit score that may have been affected by a MasterCard Late payment. In a nutshell, you will need to contact the collections department or whoever is collecting payment for your MasterCard and work out a payment plan. Or if you want to dispute the item and have it removed from your credit report, you might be able to.
Improve Your Credit Score
The very first step to repair your credit is to get a valid copy of your credit report. I used Experian to get a copy of my free credit report and score because they are one of the three legitimate credit bureaus. Not only did my credit report show me what was wrong with my credit, it also shows exactly where and how to contact the MasterCard Late Payment account in order to dispute it. Having my credit report made it easy. I recommend that you get a valid copy of your free credit report from Experian right here to start the credit repair process.
“My FREE Credit Report Showed me how to Improve My Credit Score!”
Using the information on my credit report, I was able to remove my MasterCard Late Payment (and some other negative information) and my credit score went from a 490 to 700! With my new good credit score, I have been able to get approved for auto loans, credit cards, and other loans that I needed. The best advice I can give is to get your valid copy of your credit report today and start the process of improving your credit.
The credit repair process will begin with removing the Mastercard late payment from your credit report. However, everyone’s credit situation is different, so there may be some additional steps needed in order to maximize your credit score. Over time, I learned how to write credit repair letters to my creditors, how to remove judgements, chargeoffs, negative accounts, and deal with late payments. So, I want to share what I learned with you that made such a dramatic increase in my credit score.
Free Credit Repair in 7 Steps
I have put together a 7 Step Free Credit Repair course that will teach you how to improve your credit (including removing the Mastercard late payment). Its free. Simply leave your name and email address and I will share with you the 7 Steps to Credit Repair that I learned to improve my credit score from a 490 to 700.
Visa Credit Collections
Posted on November 18, 2008
Filed Under Credit Card Collections, Credit Repair, Credit Report, Remove Collections | Leave a Comment
Having to deal with Visa Credit Card Collections can be a frustrating experience; I know it was for me. Typically, the Visa Credit Collections department will use multiple avenues to collect on any upaid debts such as by phone or mail (which is similar to Wells Fargo Collections).
Unfortunately, a Visa credit collections account will negatively affect your credit score, and will make it more difficult for you to get car loans, credit cards, a mortgage, or other loans in the future. In fact, a negative item such as Visa collections will remain on your credit report for a number of years, unless you take action; like I did.
You see I was tired of having a bad credit score because of my damaging Visa collections account. And I discovered that there were some simple steps that could be taken to improve my credit score and remove the negative items; such as Visa collections from my credit report.
Improve Your Credit Score
The very first step to repair your credit is to get a valid copy of your credit report. I used Experian to get a copy of my free credit report and score because they are one of the three legitimate credit bureaus. Not only did my credit report show me what was wrong with my credit, it also showed me exactly where and how to contact my Visa Collections account in order to dispute it. Having my credit report made it easy. I recommend that you get a valid copy of your free credit report from Experian to start the credit repair process.
“My FREE Credit Report Showed me how to Improve My Credit Score!”
Using the information on my credit report, I was able to remove my Visa Credit Collections account (and some other negative information) and my credit score went from a 490 to 700! With my new good credit score, I have been able to get approved for auto loans, credit cards, and other loans that I needed. The best advice I can give is to get your valid copy of your credit report today and start the process of improving your credit.
The credit repair process will begin with removing the Visa credit collections account from your credit report. However, everyone’s credit situation is different, so there may be some additional steps needed in order to maximize your credit score. Over time, I learned how to write credit repair letters to my creditors, how to remove judgements, chargeoffs, negative accounts, and deal with late payments. So, I want to share what I learned with you that made such a dramatic increase in my credit score.
Free Credit Repair in 7 Steps
I have put together a 7 Step Credit Repair course that will teach you how to improve your credit (including removing the Visa Credit Collections). Its free. Simply leave your name and email address below and I will share with you the 7 Steps to Credit Repair that I learned to improve my credit score from a 490 to 700. (In addition, I will share with you one powerful service that can actually do the hard work of credit repair for you).
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