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If your credit company begins to believe that you won’t ever pay your credit card bills, they may charge off on your account. This will typically happen if your account is delinquent by six months or more.

Essentially, a charge off means three things: 

1. You won’t be able to make any purchases with that credit account.
2. You will still owe the remaining charged off balance on your account.
3. Your credit score will drop, significantly. In fact, a charge off is one of the most damaging entries that you can have on your credit report. 

How to avoid: Be sure that you’re making the minimum payment on all of your credit accounts each month. If you have multiple delinquent credit accounts, make the financial sacrifices necessary to get them all paid up to date. Start with the most delinquent accounts first. A credit card account that has been delinquent for four or five months is dangerously close to a charge off, and deserves your immediate attention. The late fees and penalties that you’ll have to pay now will be nothing when compared to the repercussions of a charge off.

 For more tips on how to help increase or maintain your credit score, call Vitesse Financial toll free at 866.407.9110. Vitesse Financial has over 15 years of spot-free experience and will handle your case with compassion and care.

For more information or to schedule your FREE consultation call toll-free at 866.407.9110

Credit Repair

Leading up to your bankruptcy filing, you may have to spend a significant amount of time on the phone negotiating payments and explaining late payments to creditors. You also will probably spend a lot of time going through mail, responding to letters, and making copies of documents as proof or your efforts.

Moreover, the process of filing for bankruptcy takes time. Bankruptcy-related paperwork, as with most legal documentation, can require a great deal of patience to complete. A lawyer or bankruptcy specialist may complete the tasks more quickly (and likely with fewer errors), but you would still need to meet with that individual or firm to discuss your situation. Every state is different, but you will most likely need to take time to complete a petition (this starts your bankruptcy), a document with list of your creditors, a document detailing your financial history, and a plan explaining how you will move forward.

 Depending on the type of bankruptcy you file, you may need to meet with the court or a trustee to discuss the case on one or more occasions.

While the bankruptcy listing is on your credit reports, you may often have to explain that mark on your credit and supply additional paperwork when trying to open new accounts, refinance, and request insurance premium quotes. This is all the more reason to focus on credit repair immediately after bankruptcy.

 For more helpful tips and tricks contact Vitesse Financial today. Vitesse has over 15 years of experience, and by calling today you qualify for a FREE financial consultation from a Vitesse Credit Professional. Call 866.407.9110 TODAY!

Credit Repair

Do you have negative student loans on your credit report? By removing student loan accounts from your credit report, you can increase your credit score and save money on interest rates.
Removing negative student loan accounts from your credit history may increase your credit score. It is not healthy for your credit to keep this negative remark on your credit history, by removing this negative account, your credit score may be boosted and your credit could look better for creditors and future loans.
Vitesse Financial is a professional credit restoration agency that can help you to fix your credit problem by attempting to remove judgment accounts from your credit file. This not only gives you better interest rates for credit cards, mortgage and auto loans, but can also help you to save money and achieve your goals.
If you have any question about our quick legal credit repair services, please navigate to our contact us.

It is very important to regularly check your credit history and credit score, and for help with this and other issues consider contacting a credit repair agency like Vitesse Financial. For more information or for your free consultation contact them today at 866.407.9110.

Bankrupty credit Repair

Employers are allowed to ask if you have filed for bankruptcy in the past. In their minds, this may be an indicator of whether or not you are a responsible individual. Unfortunately, some employers still review an applicant’s credit report. So while they may not be able to ask you about a bankruptcy, it may certainly color your prospective employers unconscious (or conscious) opinions.

So while bankruptcy can be devastating, it has to be reported correctly on your credit reports. If it isn’t, the advice of a good attorney can help you leverage the multiple consumer rights you have to ensure that you are protected. Talk to a credit repair company to learn about alternatives to bankruptcy and credit repair after bankruptcy.

For more helpful tips and tricks contact Vitesse Financial today. Vitesse has over 15 years of experience, and by calling today you qualify for a FREE financial consultation from a Vitesse Credit Professional. Call 866.407.9110 TODAY!

Credit Repair

Of course, by paying off old debts and establishing and maintaining new lines of credit you can begin the process of credit repair yourself.  Request a copy of your credit report and check it for errors, and then focus on clearing the debts that appear as negative reports.
It may take years for all of the negative reports to expire, but by preventing new ones while increasing your positive reports your credit score will slowly rise on its own.

Take action and put your life back on track, check out our credit restoration service plans and fix your bad credit today from the the root, no contract or long term commitment just pay as you go.

If you have any question about our quick legal credit repair services, please navigate to our FAQ page for more information or feel free to contact us.
Avoiding Credit Repair Scams
Unfortunately, there will always be unsavory individuals who seek to make money off of those who are in need of assistance.
Any credit repair service that promises instant results or that offers to simply create a new credit report for you should be avoided… what they’re really creating is a business tax identification number, and any individual who uses one is in danger of being charged with fraud and possibly other charges. Credit repair takes time; if an offer sounds too good to be true, then it likely is.

It is very important to regularly check your credit history and credit score, and for help with this and other issues consider contacting a credit repair agency like Vitesse Financial. For more information or for your free consultation contact them today at 866.407.9110.

When a debt collector contacts a consumer, it usually indicates that the creditor has not received a payment on the debtor’s outstanding bill for multiple months

Perhaps the worst thing a consumer can do is to ignore a bill collector. The sooner a person addresses a debt problem, the better off they will be. It is important to respond as quickly as possible to a debt collector, especially if you are certain the debt is not yours. Frequently, it is a call from a bill collector that first alerts an individual to the potential of identity theft. Moreover, stalling could mean further unwanted phone calls, lawsuits, judgments and more.

Because most creditors report your credit repayment history, when you stop making payments, that information is also passed along to the credit bureaus which ultimately lower your credit score. Frequently, a single collections account can generate multiple derogatory entries on a consumer’s credit report. Often, both the original creditor and the collection agency make separate entries on a single outstanding account balance. As an added insult to a person’s credit score, the amount owed might be listed in multiple sections of the credit report such as the collections section and in the public records section if a court judgment occurred. These types of repetitive entries from one account can drastically lower a person’s overall credit score.

When dealing with a debt collector, it is highly recommended that a consumer review their credit report on a regular basis. This review can help establish the accuracy of listed information and assist with the credit repair process. If an account is entered on multiple sections of a person’s credit report, investigating, challenging, or disputing the unfair repetitive entries could help resolve the problem and increase a person’s overall credit rating.

It is very important to regularly check your credit history and credit score, and for help with this and other issues consider contacting a credit repair agency like Vitesse Financial. For more information or for your free consultation contact them today at 866.407.9110.

Raise your Credit Score and Save Money!

If you have multiple credit cards, it generally isn’t a great idea to close out a card that has available credit. This is because your overall level of available credit will go down, causing your credit utilization to go up. Although it may seem like a good idea to close out a credit card with plenty of available credit, it can actually have a negative impact on your credit score.

 How to avoid: Ideally, you want to maximize your amount of available credit. However, this doesn’t mean that you should simply start opening as many credit card accounts as possible. Such actions can have detrimental effects on your financial health, including your credit score. However, if you have an existing card with a high amount of available credit, the best decision is to simply leave it open, even if you don’t plan on using it. This will act as a buffer for your credit utilization percentage.

For more information on ways to protect your credit, or how to try and improve your credit score, call Vitesse Financial at 866.407.9110 for your FREE consultation.

For more information or to schedule your FREE consultation call toll-free at 866.407.9110

For more tips on how Vitesse Financial.

Credit Repair for Everyone

Everyone wants their credit score to be as high as possible. Not everyone is a candidate for credit repair, but most people can utilize these score raising techniques to one degree or another. For some it is a matter of recovering after a period of financial difficulty, others may only need a little tune-up. Here are the best ways to improve your credit scores, and keep them up!

Positive and Negative Issues

There are two areas that must be addressed as part of any credit repair effort, the positive and the negative. Without positive credit your scores will go nowhere regardless of any progress you make removing erroneous derogatory information. And unless you clean up the negative errors that are weighing down your scores you will be handicapped without the presence of positive credit on your report.

Open and Active Accounts

Building positive data on your report for credit repair purposes does not have to be difficult. Secured credit cards are the perfect way to develop positive history even if your current scores make it impossible for you to qualify for regular unsecured accounts. If your scores are not too bad you may be able to obtain regular cards. Either way, make sure that you have open active accounts showing on your report.

Managing Open Accounts

Before we discuss credit repair techniques for dealing with the negative issues on your report it is important to touch on the ways to manage your open active accounts. It is common sense that you must make your payments on time; a late payment can be a terrible setback. But if you really want the best scores it is critical that you maintain your balances properly.

It is very important to regularly check your credit history and credit score, and for help with this and other issues consider contacting a credit repair agency like Vitesse Financial. For more information or for your free consultation contact them today at 866.407.9110.

In need of credit repair?

15% of your credit score consists of your credit history. The longer your credit history, the better your credit score will be. Unfortunately, when you close out a credit card, it will no longer have an effect on your overall credit history. For example, let’s say that you first acquired a credit card in 2003. In 2006, you acquired a second a credit card. For whatever reason, you decide to close out the original credit card you started using in 2003. Following this, your credit history will appear as though it started in 2006. This effectively shortens your credit history and reduces your credit score.

How to avoid: As with your cards that have a large amount of available credit, your oldest cards should simply be left open, even if they aren’t being used. You can do this in order to maximize your credit history. You should also prioritize keeping your oldest card in good standing, since it’s an excellent representation of your ability to make payments on time over an extended period of time.

For more credit tips and your free credit consultation call Vitesse Financial toll-free at 866.407.9110.

In need of credit repair? Raise your Credit Score and Save Money!

There are many events that can create the need for credit repair, from the loss of a job to a medical emergency that taps savings and strains an otherwise sound budget. There are also cases of identity theft that, through no fault of ours, cause grievous credit harm. Regardless of the underlying cause, there is never a case that should make us despair.

Expecting Errors

It is important to understand, as you examine your damaged credit report, that the credit reporting system is prone to spawning errors from the seeds of real events. This is not the fault of the credit bureaus. The reporting system is massive and incorporates data from millions of participants, including creditors, collectors, courthouses and the services that gather public records. Expect errors to occur.

Disciplined Self-Monitoring

The need for credit repair is inherently acknowledged by the presence of the Fair Credit Reporting Act (FCRA). The requirement by the FCRA that all national credit bureaus provide free reports to consumers on demand once per year at no charge is a nod to the inevitability of errors. Perfection, from a system of such complexity, is not in the cards. The solution is regular disciplined self-monitoring.

The Time is Right Now

The need for self-monitoring is never more important than after a period of credit damaging financial hardship. It is almost inevitable in these cases that credit repair is necessary. As traumatized as you may be from the events that led to the credit damage it is still critical to address it efficiently. To ignore it may be easier, but reporting errors when neglected have a way of multiplying and taking root.

Feel Good Again

There is literally no situation that justifies sticking your head in the sand. Foreclosures, charge-offs, collections, and even the discharge of a bankruptcy is an occasion for credit repair. To address the issues now in an intelligent and thoughtful manner will put you on the path to recovery, give you peace of mind, and deliver a refreshed credit report and score that you can feel good about.

A Detailed Examination

The first step is a detailed examination of your reports. It might be worthwhile hiring a top credit repair service to do this for you as many of the score-wrecking errors that arise are subtle. This means that you may miss the errors entirely or mistakenly identify them as accurate. Just because something looks familiar does not mean that it should be on your report.

Dispute the Errors

Once all of the reporting errors are identified it is time for the dispute phase of your credit repair project. As in the case of the initial proofreading, you might want to turn this important but repetitive task over to a professional. The effectiveness of credit bureau disputes depends on a highly organized and specifically targeted routine of approach and response. If you do it right you will soon have a greatly improved credit report.

Up From the Ashes

The final step on the path to renewed credit is rebuilding. This requires opening new accounts and managing them for the greatest possible FICO score impact. Secured credit cards are the credit repair weapon of choice, and a remarkably powerful way to propel your scores back into the realm of respectability. Being secured, they are not based on your credit history, so there is no fear of denial. Open two cards and manage them with great care. Make your payments on time and keep your balances low. Soon the bad credit of the past will fade from memory.

For more tips on how Vitesse Financial can help you maintain your credit score call toll free 866.407.9110.