Are You a Candidate?

If you have considered credit repair then you are most likely a candidate for credit deletion. What credit deletion offers is what most people that want credit repair are really after: a permanent solution to derogatory trade lines. There are some factors that you should consider however:

Will the damage to your credit report be ongoing?

If you think that you are going to continue to have new derogatory credit issues in the future then you may want to consider holding off on credit deletion. We will not delete derogatory credit lines that appear on your credit report after you submit your application.

Are you considering bankruptcy?

If you are considering bankruptcy, especially filing a chapter 13, then you may want to wait until the chapter 13 bk is discharged. Our program will not delete an open chapter 13 bk. If you have recently had a chapter 7 bk discharged then you are ready to move forward with credit deletion.

Are you hoping to avoid paying back your creditors?

Credit deletion does not eliminate your obligation to repay your creditors. If you are considering credit deletion and you are eligible to file for a chapter 7 bk, then you should consider holding off on credit deletion until the chapter 7 or chapter 13 bk is discharged.

Are you in the middle of a loan modification?

If you are attempting to modify an existing loan you should wait until the modification is permanent.

Typically speaking, the clients that want traditional credit repair services are perfect candidates for credit deletion. The main difference between the two different services is that credit deletion is permanent and you should wait to file for credit deletion until after a bk is discharged. Otherwise, credit deletion is the clear choice when compared to credit repair. The best part is that the cost of credit deletion is comparable, if not less expensive, than paying a traditional credit repair company an ongoing monthly fee for years.