This occurs when you fall behind on your vehicle’s monthly payment. It can stay on your report for up to seven years making your financial life very difficult for years. Repo’s are also listed in the public record section of your report.
These happen whenever an account is seriously past due. The creditor decides to sell it to a collection agency and it drastically affects your score. Do not pay any collections as this will actually decrease your score.
Making your payments late is very unhealthy for your credit score, especially since payment history makes up 35% of your score. So one late payment can make a huge negative impact.
Each hard inquiry causes your credit score to decrease. It's important to not run your credit so much since it can be interpreted as an attempt to substantially expand available credit, and create higher risks for lenders.
CHARGE OFFS
When a creditor believes that a debt is unlikely to be collected they will write it off as a loss. This does not mean you are off the hook. You are still responsible for paying the debt back, and it also lowers your score drastically.
Student debt includes any loans Federal or Private you take out to pay for your college education, which you repay with interest at a later date.
Credit Report Analysis
Dispute Resolution
Customized Action Plans
24/7 Support & ETC.
Removal of a wider range of negative items, including Dispute letters tailored to address complex credit issues
Access to a dedicated online portal with advanced monitoring features, allowing you to track results in real time
Personalized credit counseling sessions to help you develop and maintain healthy credit habits
Priority customer support with faster response times
Hard Inquiries
Late Payments
Closed Accounts with Negative History
Collections
Charge-Offs
Overdue Medical Bills
Student Loan Default
Rent or Lease Defaults
Settlements
Removal of a wider range of negative items, including Dispute letters tailored to address complex credit issues
Access to a dedicated online portal with advanced monitoring features, allowing you to track results in real time
Personalized credit counseling sessions to help you develop and maintain healthy credit habits
Priority customer support with faster response times
Hard Inquiries
Late Payments
Closed Accounts with Negative History
Collections
Charge-Offs
Overdue Medical Bills
Student Loan Default
Rent or Lease Defaults
Settlements
"Prior to going to B Dental Spa, I had not been to the dentist for over 6 years due to anxiety. I am so glad that I found this place. Every experience with Dr. Pole and Christina has been wonderful, and the whole staff is lovely. They do all they can to put you at ease and make you comfortable, and I'm so grateful for it! Highly recommended."
"The best experience ever at the dentist Thank you Dr.Bishara for your patience . As for when it came to finances what can I say Yahaira you are such a caring amazing person thank you for helping me make this happen YOU ARE THE BEST I wish I could give BDentalSpa 10 Starssss"
Get In Touch
Assistance Hours
Mon – Sat 9:00am – 8:00pm
Sunday – CLOSED
Phone Number:
(201) 724-2758