We Get You As Many Negative Items Removed From Your Credit Reports as Possible, While Helping You Build Good Standing Credit.
Negotiate To Pay Less
It's a 50/50 shot that the creditors will settle but it definitely worth a shot!
Collection Agencies often buy debt for pennies on the dollar, so sometimes they may be willing to settle for less than the debt owed.
Option 1
1Yr 2Yr 3Yr 4Yr 5Yr 6Yr 7Yr
Collection Drop Off
High Impact
New Collections
+27 pt
+26pt
+20pt
What happens if you leave your collections alone?
A collection should fall off 7 years after it's added to your report, but your legal responsibility is calculated differently. (It makes you a bad pay)
If you choose to leave it alone and wait 7 years,
don’t interact with the collection agencies since that can reset the length of time that the collection gets to "legally" stay on your report.
Option 2
Dispute
