Do you have 60, 90, 120 day late payments but no 30 day late payment? 

 

Does your credit report show a balance due on a settled or paid account?

 

Does your Short sale list as a foreclosure on your credit report?

 

Does your credit report show a balance after the creditor discharged the debt with a 1099-c?

 

Any debt discharged in a bankruptcy reporting a balance?

 

Do you have any duplicate accounts on credit report?

 

Is your Account to old to report?

 

Does the debt buyer and original creditor both report a balance due?

 

Are you a JR, SR, III have your information mixed with someone else’s information on your report?

 

Authorized users reports shows all user activity and not just authorized users?

 

Have you told a 3rd party debt collector, "I refuse to pay this debt" or ask them to stop calling and they continue to call? 

 

Does a 3rd party debt collector call you before 8am or after 9pm? (There are also other state laws for debt collectors and original creditors)

 

Did a creditor or 3rd party party debt collector pull your credit (hard or soft pulls) without your permission? (Please know that many contracts you signed with original creditors, it says in the contract they will periodically pull your credit, THATS LEGAL)

 

WE DO NOT DO CREDIT SWEEPS OR DEAL WITH IDENTITY THEFT CASES.