You may see the graphic on the right side of the Broken Credit Blog that says:

Your credit CAN be repaired.  Let us prove it to you….

This connects to a form where my friend Brian and his staff are doing wonderful things for countless consumers with lower-than-deserved credit scores.  So, if you’re looking to improve your credit score and want to talk to a professional credit restoration company to get the job done for you, then click the link, complete the form and you’re on your way…

Hi. I check my credit report last year and many accounts were in collections and so forth.

I have paid off all of them and have also negotiated settlements.

Back then my credit score was 536 but when I checked today it was a little over 400.

I do not understand how why my credit score dropped, even though I paid many accounts in full and a few with settlements. All of my other accounts are current.

Can you please provide some clarification?

Joshua (more…)

Not a question but a praise.

Your info has me clean up some old problems thanks.

Good too see you know your scripture. God bless.

Scott

Check out Adriel’s latest results!

Here we go folks, another great job this week!!

1. Martin County Circuit Court- This was a property tax lien that was paid by the customer and was not reported as such, it still showed as an “unpaid lien”. I was able to have the lien completely deleted instead of showing as a paid lien; we love to see the word “deleted”!
2. Merchants Association Collection- This was an unpaid medical collection that was about 2.5 years old for $685.00. The collection company could not verify it and thus it was deleted!!

Overall point increase was 32 points!!

Tune is next week for more “Results of the Week”!! Thank you!

Adriel D. Torres
President/C.E.O.
Contact Adriel
Toll Free: 866.686.4289

Check out Adriel’s latest results!

Another great “Results of The week” folks! This time, we got a “rare” negative account off, a STATE TAX LIEN!

1. Tampa Bay FCU – This account was an old repossession (involuntary). Remaining balance was $4890.00.The account was reporting different information to all 3 bureaus, (easy to get these off), so it was deleted!
2. Bank of America- 3×60 and 1×90 late payments on an OPEN ACCOUNT- BOA reported the 1×90 by mistake, so it was deleted.
3. Florida Department of Revenue – This was a state lien for $1259.00 (the customer did not remember what it was for). Although it was an old account (6 yrs old), the State Dept of Revenue could not verify the information and thus it was deleted! 

Tune in next week for the “Results of the Week”. Thank you folks!

Adriel D. Torres
President/C.E.O.
Contact Adriel
Toll Free: 866.686.4289

Thanks Paul. I love your website. I wished I had been there a few weeks ago when this house came up for sale but better late than never. I am working with a local guy to get things done.

I have looked at all the ID theft things already and now I know what I’m going to be doing for the next few days. I also found a couple of people of my credit report: Asset Acceptance and Palasaides (sp?) with bills that have been paid with the original creditor almost seven years ago. Sheesh! But with all your website’s help, this should all be a memory in 30 days!

Thank you again Paul!
Sara

Paul,

Once a person obtains a “pay for delete” letter, then what?  Do I send the letter to the credit bureau?

Thanks,
Dee (more…)

Check out Adriel’s Latest Results!

Ok folks, looks like more awesome results this week….I’m starting to sound like a broken record here!! Here we go:

Item 1-BP Oil/Citibank SD – This was a transferred charge off to a collection company for $469.00 dollars back in 2001. BP/Citibank could not verify this information, so it was deleted!

Item 2-West Asset Management – This was a medical collection for $723.00 dollars last reported in 2002. West Asset Management could not verify this information, so it was deleted!

Item 3-Novastar Mortgage – This was a late mortgage payment (1×30) in August of 2005, well, we know what happened, DELETED!!

Tune in next week for more “Results of the Week”!

Adriel D. Torres
President/C.E.O.
Contact Adriel
Toll Free: 866.686.4289

Ok folks, looks like more excellent results this week, an outstanding 89 point increase!! WOW!!!!

1)    Items 2-7, PA Higher Education-These accounts are all student loans that were reporting late payments, which was not correct. The customer had consolidated all loans into one and they were also deferred. All accounts were deleted, raising his score 89 points!!

2)    Item 9, NCO Financial-This was a small collection from Verizon for $89.00 dollars. The collection company could not verify the information, thus it had to be deleted.

Tune in next Wednesday for the “Results of the Week”!!

Adriel D. Torres
President/C.E.O.
UltimateCreditToday.com
Toll Free: 866.686.4289

Check out Adriel’s Latest Results!

More awesome results this week folks!! Ok, here we go:

1. RMA/ATT-Collection account purchased by RMT Collections from ATT. This was a cell phone bill that went into collections for $1348.65. Account was in collection for 2 years and RMA was not able to properly account for the information, thus it was deleted!
2. No Collection/Creditor information available (these are so easy!!)-It was a collection for $458.30. Customer had no idea what this collection was for and the credit agency could not verify the information, thus it had to be deleted.  
3. Equifax had the wrong name (maybe why item 2 was on this report??). Name was updated! 

Tune in next Wednesday!

Adriel D. Torres
President/C.E.O.
UltimateCreditToday.com
Toll Free: 866.686.4289