Credit Miners will find ways to improve your credit by removing inaccurate negative items holding back your credit scores.
Improving your credit score can be done starting with these 3 simple steps, take the next towards your successful financial journey.
Enroll – We’ll give you a FREE consultation and credit analysis.
Let’s Get To Work – While we use the law to challenge negative items on your report.
See Results – Log in to see real-time updates every step of the way.
We help improve your credit by removing the following items:
When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report.
Regardless of the reason, there are several consequences to making late payments, including: * Late payment fees. * Interest added to the delinquent payment. * Possible termination of service or default of the loan. * The late payment showing up on a credit report. Payments that are less than 30 days late often do not show up on someone’s credit report, unless they occur frequently.
Hard inquiries can be harmful to a borrower’s credit score. Each hard inquiry usually causes a small credit score decrease for a borrower. Hard inquiries remain on one's credit report for two years. Generally, a high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender
Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come. First, the late payments leading up to the repossession will damage your credit score once they're reported to the credit bureaus.
A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months. These can include balances from a credit card, mortgage or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.”
Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!
We Have The Best 100%
Money Back Guarantee
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
Most of our clients will see changes on their credit report within the first 45 days or so, and then they see more results following each cycle that we send. However, there have been a few clients who had very few changes for 4 or 5 months, and all of the sudden there was a wave of removals, deletions and updates. Unlike most companies that only dispute two or three items per month. We challenge every piece of negative reporting information every month, which results in a much shorter total program time for our clients. Please keep in mind, however, that credit repair is a process that requires time, patience, and maximum effort. Even for the most stubborn negative accounts that took many, many rounds, there has rarely been an account that could not be removed with enough attacks and enough patience. We call this the TMF (Too Much Factor) method, where over time our challenges cost the bureaus too much money, too much time, and we have presented too much evidence, and they eventually remove the challenged account. Our advice: Don’t Quit! You will be successful in the long run.
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
Credit Miner’s mission is to give our clients hope by restoring their credit, finding ways to help them achieve their financial goals and live the life they deserve.
Copyright © 2022. All rights reserved.
