Federal Laws allow the following reporting periods, using the phrase "...may report for a period of up to..."
Bankruptcy 10 Years
Foreclosure 7 Years
Repossession 7 Years
Unpaid Tax Liens Forever
Paid Tax Liens 10 Years
Unpaid Collections 7 Years
Paid Collections 7 Years
Charge Off 7 Years
Slow Payments 7 Years
Unpaid Judgments 7 Years
Paid Judgments 7 Years
Right about here is where every Attorney in North America would like us to say something like: "we can remove these items from your reports". Rather, let's say we have removed countless items like these, and can do it again. Care to see some examples of CCFG's work? Go to the Reply Samples Page.
Small Business Owners
You have Special Circumstances where Credit is concerned. Though many loans are in the Business name, you end up as the guarantor .. whether you are aware of it or not. It takes a special touch to get and keep your Credit Score where it needs to be for both you and your Business. CCFG can help you with the big picture, and to help you reach your goals for the future.
No Interest Charges or Carrying Fees!
That's CCFG's Total Fee! Limited Time Offer!
In 2008 this was a deal at $795,
and we still have no per item charges!
This is our Bailout Special, a far better deal than
Buy One, Get One Free!
Get your own Stimulus Package started today!
Enter Your Special Pricing in the Blanks Provided on the
Application Form.
Let's Do It, Get me an Application!
Many people don't realize the impact one item can have.
An Auto Repo has late payments, then the Repo. Then the car is sold, usually for less than the balance due. That becomes a Charge off, which is sold to a Collection Agency, who may take it to Court to get a Judgment (they usually don't for an auto loan or credit card, but it can happen). The same process happens for a Foreclosure or Credit Card Charge off.
Collections ...
Are purchased from the original creditor for pennies on the dollar of the original balance. Then, they are marked up with a service fee, and collection is attempted. After a couple of years, the account is re-sold to another Agency, to cover the original costs, and the New Collection Agency does it all again. From what I have been told, the "spread" between cost and the Face Value (total amount due) is a total tax write off. Feel free to really negotiate with these guys, they have room to work with you. We recently saw a $32,000 repo that went to Collections, who marked it up to $59,000. The Collection Agency is willing to "settle" for about $7,000. A little more than a Dime on a Dollar.
We do not share any of your personal information with any outside source. CCFG Credit Repair will not sell your name, address, phone number, or email address to anyone for any reason. And we won't call you or send you an email every week to entice you to join up.
