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Atlantic Credit & Finance, Inc.

By Dan Willis

Are you getting nonstop phone calls from Atlantic Credit & Finance, Inc? How about letters demanding payment? Or maybe you’ve discovered a collection mark on your credit reports? If so, you’re in the right place. Atlantic Credit & Finance is a third-party debt collector. Established in 1996 and based out of Roanoke, Virginia. They’re a […]

Filed Under: Debt Collection Agencies

How Long Do Late Payments Stay On Your Credit Report?

By Dan Willis

The short answer, seven years. The Fair Credit Reporting Act (FCRA) is federal legislation that governs how long bad credit can stay on your credit report typically seven to 10 years. This time window starts from the date of delinquency or when the initial payment was missed. In an Equifax article it says: “The late […]

Filed Under: Credit Repair Help

National Service Bureau – Collection Agency

By Dan Willis

Are you getting a flood of phone calls from National Service Bureau? How about letters demanding payment? Or maybe you’ve discovered a collection on your credit report? If so, you’re in the right place. National Service Bureau is a large, independent, third-party debt collection agency. They’re based in Seattle, Washington, and were founded in 1986. […]

Filed Under: Debt Collection Agencies

What Is a Charge Off?

By Dan Willis

A charge off will typically occur after six months or 180 days of delinquency or missed payments. The lender will charge off the account, in essence giving up collecting payment on the debt. The account will be closed, and the lender will report to the credit bureaus the account was charged off. This is primarily […]

Filed Under: Credit Repair Help

Hillcrest Davidson and Associates – 4 Consumer Steps

By Dan Willis

Are you getting a continuous stream of phone calls from Hillcrest Davidson and Associates? Receiving letters demanding payment? Or maybe you’ve discovered a collection on your credit report? If so, you’re in the right place. Hillcrest Davidson and Associates is a third-party debt collector. They’re headquartered in Richardson, Texas, and were originally founded in 2008. […]

Filed Under: Debt Collection Agencies

TransUnion Credit Report – How To Grab Your Free Copy

By Dan Willis

The Fair and Accurate Credit Transactions Act (FACT Act) of 2003 an amendment to the Fair Credit Reporting Act (FCRA) is federal legislation that enables you to get a free copy of all three of your credit reports every 12 months. For we’ve all heard how important it is to keep an eye on our […]

Filed Under: Credit Repair Help

Capital Recovery Systems – Collection Agency

By Dan Willis

Are you getting constant phone calls from Capital Recovery Systems? How about letters demanding payment? Or maybe you’ve discovered a collection on your credit reports? If so, you’re in the right place. Capital Recovery Systems is a third-party debt collector. They’re located in Columbus, Ohio, and were originally founded in 1997. They work exclusively to […]

Filed Under: Debt Collection Agencies

How To Settle With a Collection Agency – 7 Consumer Tips

By Dan Willis

Tired of getting the avalanche of phone calls from a collection agency? Sick of the demand letters from debt collectors? Frustrated with having less than perfect credit? If so, you’re in the right place. Our purpose is to share how to settle with a collection agency and exercise your consumer rights. This will ensure you’re […]

Filed Under: Credit Repair Help

Torres Credit Services – Debt Collection Agency

By Dan Willis

Are you receiving a barrage of phone calls from Torres Credit Services? How about letters demanding payment? Or maybe you’ve discovered a collection on your credit reports? If so, you’re in the right place. Torres Credit Services is a third-party debt collection agency located in Carlisle, Pennsylvania. Originally founded in 2003, they service a variety […]

Filed Under: Debt Collection Agencies

How To Increase Your Credit Score – 14 Tips

By Dan Willis

Do you have a less-than-perfect credit score? Sick of paying the high-cost? Tired of being seen as a second class citizen? If so, you’re in the right place. Our purpose is to share 14 tips to increase your credit score. Along with your rights as a consumer ensured by federal laws and how to exercise […]

Filed Under: Credit Repair Help

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Recent Posts

  • Atlantic Credit & Finance, Inc.
  • How Long Do Late Payments Stay On Your Credit Report?
  • National Service Bureau – Collection Agency
  • What Is a Charge Off?
  • Hillcrest Davidson and Associates – 4 Consumer Steps

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