Bankruptcy Removal in Seattle
Credit repair in Seattle is an important service because more than 500,000 Americans declare bankruptcy each year? While unfortunate, it’s helpful to know that you are not alone when it comes to dealing with a bankruptcy. Even after your bankruptcy is discharged, there is the aftermath to contend with as well; namely, repairing your credit.
Having bad credit is an unfortunate problem that many families face, especially in this current economic climate. Having a bad credit score can have a very negative impact on your financial health and can result in higher interest rates, loan rejections, and more interest. That’s why thousands of people have turned to credit repair companies to repair their credit and improve their credit scores.
Get good information to improve your credit in Seattle
How long does a bankruptcy stay on your credit report?
The length of time you’ll see a bankruptcy stay on your credit report depends on what type it is. A Chapter 7 bankruptcy remains on your credit report for 10 years while a Chapter 13 bankruptcy remains on your credit report for just 7 years.
However, contrary to popular belief, bankruptcies can be removed from your credit report early and you can get credit after a bankruptcy. You do NOT have to wait up to 7 or 10 years before being able to get a mortgage, car loan, or any other type of credit again. In fact, it usually only takes a few years to be able to get access to loans and credit cards again. But that can seem like a long wait when you need cash upfront. Plus, once you do start to qualify again, you’ll still be paying extraordinarily high interest rates.
Rather than getting stuck with high interest rates and low balance maximums, work on negating the effects of bankruptcy as much as possible. Between disputing the bankruptcy itself and taking concrete actions to rebuild your credit, you can get much better offers for credit cards and loans. One mistake doesn’t have to set you back financially for the next ten years. Read on to find out the various ways in which you can recover from having a bankruptcy on your credit report.
How long does it take them to repair my credit?
Every client’s situation is different. How long it takes depends on how many negative items are on your credit report and the responsiveness and cooperation of the credit bureaus and your creditors. Once you get signed up and they’ve reviewed your credit history, it will be easier for them to give you an estimation of how long it will take based on past clients’ results.
Do they offer a guarantee?
Yes, they stand behind their work 100%. They completely guarantee your satisfaction and have made their credit repair service risk-free. If you choose the month by month program, you can cancel at any time and you will not be charged for that month of service. That assures you that you will never have to pay for anything that you’re not happy with. If you decide to go with their flat-fee pricing, you will have a full 6-month satisfaction guarantee.
What items can be removed from my credit report?
It is possible to remove a bankruptcy, student loans, late payments, repossessions, hard inquiries, paid collections, judgments, charge offs, etc.? The answer is “yes” to all of those items. While it is not guaranteed that anything will be removed, it is possible to have any of those items removed.
Once items are deleted, can they reappear on my credit report?
It doesn’t happen very often; however, it is possible that a negative item that was recently deleted can show back up on your credit report. The FCRA requires that the credit bureau informs you before they re-report a previously deleted listing. They also have a limited time of 5 days to re-report the item once it’s been removed. Re-reporting the item after that is a violation of the FCRA which is why they rarely re-report items.
How much does it cost?
They have 2 payment plans. The first is a pay as you go, cancel anytime. You can try out the service for 7 days for just $19 and if you like the service, continue for just $59 a month. Or you can sign up for a complete 6-month program for just $299. Your satisfaction is completely guaranteed.
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