How long will negative information remain on your credit report?
Late payments: 7 years
Bankruptcies: 7 years for completed Chapter 13 bankruptcies and 10 years for Chapter 7 bankruptcies.
Foreclosures: 7 years
Collections: Generally, about 7 years, depending on the age of the debt being collected.
Public Record: Generally 7 years, although unpaid tax liens can remain indefinitely.
FACT:
You have the right to disagree with the results on your credit report just as you have the right to plead “Not Guilty” in a court of law.
 
FREE Credit Consultation 888.866.1899
 

"I am truly grateful for everything you have done for me.  I was frankly sick and tired of having bad credit, and you made it all go away."  
Jeff F., Sylmar, California (score increased 182 points)
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"Thank you for your hard work.  You made the process very easy.  I especially liked the fact that I could check the status of my file online anytime." 
Maribel P., Chicago, Illinois (score increased 124 points)
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"I am so excited.  I just got a copy of my new report from Frank, our loan officer.  My score increased 93 points.  He said we can put in our offer now.  Thank you for everything." 
 Laura M., San Diego, California (score increased 93 points)
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"Thanks.  You are my guy." 
Melanie S. (Mortgage Broker), Los Angeles, California 
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"I have been very impressed with the level of service that your company has given me and my clients.  I love the fact that I can track the progress on my clients' files online, with my clients.  Thanks for keeping in touch with me.  You will have all my business." 
Jacob S. (Mortgage Borker), New York, New York.
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"Did you get a copy of my new report from Jenny?  My score is now at 734.  My brother is going to call you.  He needs your help." 
Megan S., Tallahassee, Florida (score increased 98 points)
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"I cannot tell you how happy I am to be working with someone like yourself. You have great character, you know how to make things happen and you're a huge blessing to me."
Matthew C. (Senior Account Executive), Irvine, California.
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"I got your name from Jeffery (last name omitted).  He could not stop talking about how great your work is.  I have five clients that need your help immediately.  Jeffery told me you really know your business and you can help them..."  
Shawn W. (Senior Loan Officer), Toney, Alabama. 

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