“I Don’t Even Recognize These Accounts On My Credit Report!”
Vincent was referred to Credit Dusters by his mortgage lender after they pulled his credit and discovered multiple collections and four state tax liens. Vince was not even aware these things were on his credit. He had always filed his taxes and did not believe he owed any back taxes. The collections were mostly medical and he wondered if these bills did not get properly filed with his insurance company. A few other collections he did know about were suppressing his scores but he never imagined he would be denied financing. It was embarrassing and frustrating.
We worked on Vince’s credit over a period of 6 file reviews (which are every 45 days).
There were 45 derogatory listings, and after much hard work and persistence, we were able to get
59% of those derogatories completely removed from his credit report.
This resulted in a 45 point increase, which allowed Vince to get his approval!
He still needs to pay down the balances on several of his credit cards, which is why his scores did not go up more than they did, but he still has a fantastic foundation on which to build for his future. Way to go Vince!!
Do you know why Vince had four state tax liens on his credit? Because he had filed extensions in the past. It is not unusual for the state to put a state tax lien on your credit for estimated taxes when you file an extension, so keep an eye on this if you need to file an extension.
Feel free to contact Laura at (502) 345-9716 if you would like an evaluation of your credit. It is free, so don’t stay in the dark any longer – find out what you need to do to get fantastic scores!