ABOUT CREDIT REPAIR

HOW LONG DOES IT TAKE TO REPAIR A DAMAGED CREDIT?

It varies case by case. If there are inaccurate negative items reported on your credit, there is a high possibility that those will be successfully disputed and you could see improvements in your credit score in 4–6 months. On the other hand, if they are accurate negative items reported on your credit, chances are, it’s going to take longer than 6 months. There is no definite deadline.

It varies case by case. If there are inaccurate negative items reported on your credit, there is a high possibility that those will be successfully disputed and you could see improvements in your credit score in 4–6 months. On the other hand, if they are accurate negative items reported on your credit, chances are, it’s going to take longer than 6 months. There is no definite deadline.

WHAT HAPPENS IF ALL OF MY NEGATIVE ITEMS ARE ACCURATE?

WHAT IF I’M GOING THROUGH BANKRUPTCY, CAN YOU STILL HELP?

You might think that doing a credit repair after you’ve filed bankruptcy is a bad idea. But frankly, it’s the most brilliant idea to have someone check and report those revised items that have been reported incorrectly. Zenith Financial Groups team of experts is there to help you out in this devastating journey that bankruptcy puts you through, by reporting and requesting removal of the inaccurate items on your report. Making it easier for you to cope and take control of your situation

WHY DO I NEED CREDIT REPAIR? AND IS IT REALLY WORTH IT?

Think of what factors in your life does credit have an impact on. Yes, you’re right, almost everything. Having a good credit can save you thousands of dollars, whether you’re dealing with loans, credit cards, or even insurance companies. A good credit allows you to live a quality life with a low cost. Considering the immense impact credit has on your life, the cost of a credit repair is worth it. Fortunately, Zenith Financial Group offers flexible payment plans that could be set based on your financial situation. Allowing you to live a quality life with less to worry about.

HOW TO FIX A BAD CREDIT?

Zenith Financial Group has different plans for everybody based on the analysis that is done by its experts on the person credit report.
We get and analyze your credit report to help you identify the items that are in your report. By analyzing your report and discussing the items with you we can start your credit repair process.
We will Challenge the items you identified with your creditors and/or the credit bureaus. We will reach out to the creditors and help resolve the issues in a timely manner. We also interact with the credit bureaus to make sure that the information that the changes taking place are being reported on your credit. Fortunately, Zenith Financial Group has board certified consultants and experts that are well aware if the consumer protection laws and the time the regulations carry. It’s time for you to face your credit score issues, and let us improve your credit score by reporting, and removing your items. Your second chance is our first priority.

WHY ARE CREDIT REPAIR COMPANIES HELPFUL?

Even though repairing your credit could be done by yourself, but asking for help from a credit repair expert can help you save lots of time and money.
Here’s a list of the things a credit repair expert can do for you :

1. Read and analyze your report
2. Inform you of ways to improve and maintain your credit score
3. Intervene with credit bureaus and creditors to resolve issues on your behalf.
4. Working within the Federal Consumer Protection Laws to help you get the credit you want.

Here at Zenith Financial Group we o all that is within our ability to get you to the score that you deserve.

TILL WHEN WILL NEGATIVE ITEMS STAY ON MY CREDIT REPORT?

There is no minimum time for negative items to remain on your credit report. Creditors provide information to the credit bureaus, and just like reporting to those negative items they can also choose to remove them. Under The Fair Credit Reporting Act, all reported information must be fair, accurate and substantiated. If these information’s are not validated, the credit bureaus are obligated to remove them from your credit report.

Maximum Limits
Two Years
• Inquiries

Seven Years
• Civil suits, civil judgments, and records of arrest (foreclosures, child support, and small claims) will remain for seven years, or until the governing statute of limitation has expired, whichever comes first.
– Paid tax liens
– Collection accounts
• Adverse items of information (excluding records of convictions of crimes)
• Closed accounts from day of reported closing if delinquencies exist
• Late payments
• Charge-offs
• Paid student loan default
• Lost credit card incidences, if there is a delinquency
Ten Years
• Bankruptcy (Chapters 7, 11, 12, and 13)

Forever
• Unpaid tax liens, unless a state law exists with greater consumer protections
• Unpaid federal student loans
• Criminal convictions

Although a collection account can remain on your credit report for up to seven years, but debt validation and other strategies could make a huge difference in removing those accounts. The experts at Zenith Financial Group are here to help you every step of the way by looking for the best ways to manage your credit.

HOW CAN I FIX MY CREDIT SCORE?

Based on consumer laws you have the ability to question the creditors regarding the accounts that have been reported to the credit bureaus. The information in the credit report must be within the consumer protection standards. The information should be accurate, fairly reported and fully substantiated. Our credit consultants can answer all of your credit related questions and guiding to increase and maintain your credit score. Call us today at 818–200–0000 and get your free consultation.