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Negotiate A Complete Removal

Use this letter in attempting to negotiate a complete removal or PAID AS AGREED on a debt that states CHARGE OFF or SERIOUSLY PAST DUE on your credit report. Sample Complete Removal Negotiation Letter Instructions Fill in all fields...

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Short Sale Vs. Foreclosure

Short Sale Vs. Foreclosure

I received a reader question that opens an important topic – short sale vs. foreclosure. This was a big issue a decade ago during the Financial Meltdown when millions of people were losing their homes. It’s not as common today, but ...

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Statute of Limitation On Medical Bills

Statute of Limitation On Medical Bills

Question A majority of my credit reporting issues are, unfortunately, alot of medical bills I’ve been unable to pay over time. Not sure how these are seen in terms of the statute of limitations, but I recently received a lette...

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How to Write a Bankruptcy Explanation Letter

More than three-quarters of a million people file for bankruptcy each year in the US. And since bankruptcy can stay on your credit report for up to 10 years, that means there are at least 7.5 million people showing one each time the...

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Credit Repair Resources

Credit Repair Companies Lexington Law Credit Repair If you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair. They&#...

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Remove Late Payments From Your Credit Report

Remove Late Payments From Your Credit Report

Late payments can be a big deal, they count significantly toward your credit score calculation. And unfortunately, late payments can stay on your credit report for 7 years. However, in my experience, it’s really not that diffi...

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