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You have a 30-day grace period with your creditors before they can report it to the Credit Bureaus. We can dispute late payments based on inaccuracies of the date they reported to the Credit Bureau or we can make a request of a GoodWill Courtesy Removal.
These can be harmful to your credit score. Each hard inquiry usually causes a small credit score to decrease for a borrower. Hard inquiries can remain on your credit report for two years. A high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender. We can dispute this based on inaccuracies or make a request of a Goodwill Courtesy Removal.
When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts have a significant negative impact on your credit scores.
Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come. First, the late payments leading up to the repossession will damage your credit score once they're reported to the credit bureaus. Then, the repossession itself will be listed in the public records section of your credit report.
A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months. These can include balances from a credit card, mortgage or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.” But that doesn’t mean you’re off the hook. Even though your account is charged off and the creditor reports it as a loss, you’re still responsible for paying back the debt. And the charge-off can remain on your credit reports for up to seven years from the date your first missed payment was reported.
Foreclosures, Short Sales, Bankruptcies, Tax Liens, Repossession, Judgments, Personal + More!
HOW IT WORKS
WE HELP YOU IMPROVE YOUR CREDIT IN 4 EASY STEPS
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Advantages of Page Consumer Services
There are no hidden charges or bait-and-switch tactics
Your Secure Portal is accessible 24 hours a day, 7 days a week.
You will receive a customized credit building plan to help you achieve your goals.
No contracts. Cancel as soon as you are satisfied with your credit score. No questions asked.
There is a 180-day money back guarantee if there are no changes to your credit report.
FREQUENTLY ASKED QUESTIONS
There can be confusion over credit repair, and you may not know who to trust. We have worked hard to earn our 5-Star Rating, and we hear many of the same questions from most of our clients. To help you move forward with repairing your credit, we have compiled a list of some of our most frequently asked questions.
180 Day Money Back Guarantee
You are entitled to a 100% refund of your required credit monitoring monthly fees if we do not remove any negative items worked on during this 180 day money back guarantee period. This refund will be processed by Page Consumer Solutions LLC.
DISCLAIMER: You will not be eligible for a refund if during the 180 day period you get any new derogatory accounts, have over (5) new credit inquiries, your account with us becomes inactive due to non payment, you fail to maintain a credit monitoring service through our partner program, you have used a credit consulting agency or attempted to repair your own credit in the last year prior to enrolling in our program, or you fail to send response letters from the bureaus within 5 days of receipt. (Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).
Order your FREE credit analysis, receive your client consultation and complete the onboarding process.
Our team does all the heavy lifting to remove the information that keeps your credit score low.
Track your progress and results every step of the way by logging in to your client portal.
GETTING STARTED IS EASY!
Having a good credit score simplifies life. No matter if you are renting an apartment, purchasing a home or car, getting a cell phone or seeking employment, these three numbers will have a significant impact on your adult life. For maximum credit score improvement, we remove negative and inaccurate information from your report in addition to helping you add positive credit lines at the same time.
All potential clients are required to request and receive a FREE Credit Analysis before they are eligible to join our program. In this way, we can fully analyze your credit report to determine if our program fits your needs.