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We boost your score by removing inaccuracies

According to studies, 75% of credit reports contain mistakes and errors.

Collections

When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or sell the debt to a collection agency.

Charge-offs

This is an accounting term that means a creditor gave up on trying to collect a debt and reclassified it from a receivable to a loss.

Late payments

A special situation is getting behind on federal student loan payments. It’s not reported to the credit bureaus until you’re more than 90 days past due.

Bankruptcies

It’s a federal legal process where you declare yourself unable to pay your debts. A bankruptcy is entered into the public records, and then gets picked up by the credit bureaus.

Addresses

It is crucial to dispute if your credit report has an incorrect identity, like a misspelled name and wrong address that can affect your ability to get credit cards, loans, insurance and even a job.

Inquiries

In certain circumstances, an unapproved inquiry can be removed from your credit report by sending a credit inquiry removal letter to the credit reporting agency or by disputing it online.

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