Repair Your Credit

Dealing with your credit can be confusing and frustrating. Few people understand what it is or how it works, yet credit has a heavy impact on most areas of life. Credit repair is the process of disputing and removing negative items from your credit profile, then building up your credit score to have a better financial future.

Repair Your Credit

Dealing with your credit can be confusing and frustrating. Few people understand what it is or how it works, yet credit has a heavy impact on most areas of life. Credit repair is the process of disputing and removing negative items from your credit profile, then building up your credit score to have a better financial future.

How it Works


Step 1: Assessment

We start by obtaining all your credit reports from the major bureaus, and the lesser know reporting agencies. We review them with you to see which negative items may be inaccurate, unfair or unsubstantiated.


Step 2: Dispute

Next, we begin to dispute the negative items with your creditors and the credit bureaus. Asking them to look into each of the items we identified earlier, and delete or remove them from your credit profiles.


Step 3: Legal Action

If creditors or credit bureaus are not willing to remove the inaccurate, unfair, or unsubstantiated negative items, we leverage specific laws to challenge them. We will fight for you until your credit report is accurate.


Collection Accounts

When collection accounts are still on your credit report and shouldn’t be, it’s killing your score….

Even if you have paid off your debts and done everything a collections agency has asked of you, your credit reports could still be labeling you in default.

Many inaccurate or misleading collection accounts unfairly lower thousands of people’s credit scores. Either because of clerical errors, miscommunications, or even outright vengeful tactics by some collections agencies, collections accounts are among the most common errors on credit reports.

This happens over and over again..
A creditor claims you have an overdue debt and begins reporting you to the credit bureaus. Then sell your account to a collections agency who may begin doing the very same thing …and that is where the problems begin.

Maybe the creditor continues reporting to the credit bureaus or maybe you make an arrangement to pay off the creditor directly but the collections agency still hammers away at your credit reports.

Or even worse, maybe you never owed the debt in the first place and now either the creditor, the collections agency, or both are causing havoc on your credit score.

We’ve helped 1000’s of people with collection account problems

Credit Velocity has the experience to attack multiple aspects of your collections problems.

Credit Velocity’s services are not limited to credit bureau disputes. We will also contact creditors and the collection agencies on your behalf.

Through goodwill negotiations and by leveraging your rights under the Fair Debt Collection Practices Act (FDCPA), Credit Velocity works to get collection agencies to stop reporting damaging information.

Charge Offs

Just one charge off on your credit report can stop you from being approved for credit.

Creditors see a charge off as a glaring indication that you have not been responsible with your finances in the past and cannot be counted on to fulfill your financial obligations in the future.

A creditor will typically charge off a debt if there has been no payment on the account for 180 days. For the consumer, however, this does not mean you are no longer responsible for the debt. The creditor can continue their collections efforts either in house or through a third-party collections company.

Anyone can end-up with a charge off, even those with top notch credit

Whether you owe $100 or $1000’s of dollars on a credit account, after the 180 day period has passed, your creditor can charge off the debt and report it to the credit bureaus.

A Charge Off signals to current and potential creditors that they are unlikely to get the money back that they loaned to you.

Current creditors can respond by significantly raising your interest rate on your existing balances costing your much more money over the life of your loans. Potential creditors are much more likely to decline a loan application with a Charge Off on your credit report.

Just because you have an inaccurate and unfairly reported Charge Off on your credit reports does not mean you have to live with it for 7 years.

By investigating and communicating with creditors and credit bureaus, you may be able to improve the status of a questionable Charge Off or completely remove it from your credit reports.

Charge Offs and delinquent payments can drastically reduce your credit score. We can help.

Credit Velocity has helped thousands of clients remove inaccurate, untimely, misleading or unverifiable (questionable) Charge Offs from their credit reports.

Late Payments

Late payments are one of the biggest items which hurt credit scores

One recent late payment on a single account can lower a score by 15 to 40 points, and missing one payment cycle for all accounts in the same month can cause a score to tank by 150 points or more.

A single 90 day late payment also factors heavily in your credit score and is about as damaging as a collection account, judgment, tax lien, and even a bankruptcy.

Consecutive late payments are even more harmful to your score, as each subsequent late payment is weighted more heavily.

Removing late payments can be tough but we can help

Credit Velocity has helped clients beat the effects of late payments by building good credit with various tools. We believe in creative strategies, and never give up.


Credit repair may help you with a foreclosure on your credit report…

Credit repair from Credit Velocity should be one of the very first things you look into if you’ve had a foreclosure on your record. We have a track record and have  people improve their credit reports for the last 30 years.

Credit Velocity has been the trusted provider of affordable, legal credit repair solutions for people across the country and from all walks of life.

We believe in our work and we’re committed to our clients’ success. That, coupled with our exceptional knowledge and experience in the credit repair industry, has allowed us to achieve amazing results that have literally turned our clients’ lives around.


Bankruptcy is nuclear bomb to credit ratings, but its not the end of the world..

A bankruptcy can have a devastating effect on your credit score. A bankruptcy listing on your credit reports is to many lenders the only thing they need to see to determine you’re irresponsible.

The worst part is for most Americans, the bankruptcy shouldn’t be on their credit reports.

You may have a bankruptcy, but that doesn’t always mean it’s your fault

Over 500,000 people declared bankruptcy last year. This amounts to more than half a million chances for a bankruptcy to mistakenly end up on your credit reports, and it is a mistake that is easy to make.

Think of how often you have dialed a wrong number. That’s basically all that needs to happen for someone else’s bankruptcy to end up on your credit reports.

All it takes is for one person to transpose or mistype the numbers in a Social Security number for a bankruptcy to be added to the wrong credit reports.

However, this is not the only way a questionable bankruptcy could be on your credit reports. Other clerical errors, mistaken identities, identity theft, and legitimate bankruptcies that have already been reported for 10 years could all result in a bankruptcy showing up on your credit reports when it should not be there.

We have proven you can remove bankruptcies from credit reports

Many people will tell you that it is impossible to remove a bankruptcy from your credit reports. The truth is that there is not one type of questionable negative listing that cannot be possibly disputed and removed.

Through effective credit bureau disputation and creditor interventions, Credit Velocity helped clients see removals of bankruptcies from their credit reports.

If other questionable negative items are affecting your credit score, Credit Velocity can help you dispute those as well.

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