What shows up on credit reports?
Collection Accounts
If your account is referred to a collection agency this will appear directly on your credit report. These accounts can appear as paid or unpaid accounts. Regardless, any type of collection account is considered VERY negative by all lenders (including medical).

Inquiries
Each time a potential lender or credit grantor looks at your credit report, it is recorded on the report as an inquiry. If you have a significant number of inquiries over the last two years it will have a negative impact on your credit score.

Public Records (Court Records)
Public records can include things such as bankruptcies, liens, garnishments, and judgments.. These court records are considered negative by all credit grantors.

Merchant Trade Lines
These are the traditional items that you would think would be on your credit report. They include your regular credit lines like credit cards, auto loans, and mortgages. Information on late payments, if the line  was part of a bankruptcy, charged off, or put into repossession will   be considered negative by all lenders.

Can my bad credit be deleted?
Regardless of whatever myths you have heard in the past, the real proof is in the results we have achieved for thousands of people just like you. We are responsible for the deletion of negative credit items every day on behalf of our clients. The United States Congress has enacted a set of laws that protect consumers by requiring that only good, verifiable and accurate information appear on a consumer's credit report. This same law details the rules for how negative information must be investigated and treated should it be challenged.

Do negative items have to remain on your credit report for 7 years?
This is a myth propagated by credit grantors, collection agencies, and credit bureaus that is simply untrue. The laws that we are prepared to enforce on your behalf mandate that negative listings appear on your credit report for "no longer than seven years". This means that the credit grantor, lender or credit bureau can choose to remove the negative credit listing whenever they see fit. More often than not, the bureaus delete these items only after your rights are properly enforced to ensure full compliance with the laws that were drafted to protect your credit.

Creating Confidence Financial Freedom

Learn how to protect your credit with IntelliCREDIT

Call 813-926-2700 now to get help with your credit report.

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IntelliCREDIT
National Headquarters;
13046 Race Track Road, Suite 246
Tampa, FL 33626
Office. 813-926-2700