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Derogatory marks, also referred to as negative credit items, signify detrimental aspects within your credit history, such as late payments and delinquencies. These marks, alongside a poor credit rating, can impede your ability to secure credit approval or favorable credit terms.

Understanding the various types of derogatory marks is crucial as they significantly impact your financial record and your relationship with lenders. Here’s an overview of derogatory marks and their implications on your credit:

What Are Derogatory Marks?

Derogatory marks encompass negative entries indicating failure to repay a loan or being delinquent on debt, which adversely affect your credit profile over time. Their presence on your credit report serves as a warning to lenders, restricting credit approvals and diminishing your creditworthiness.

Different types of derogatory marks exist, each typically remaining on your credit report for seven years. The severity of these marks varies, with some exerting more substantial effects than others. For example, a late payment typically has less impact on credit compared to a bankruptcy filing.

Types of Derogatory Marks

Here’s a breakdown of common derogatory marks and their approximate durations on credit reports:

- Late Payments: Payments overdue by 30 days or more.

- Charge Off: Unpaid debts sent to collections after 180 days.

- Repossession: Assets like cars seized due to delinquency.

- Foreclosure: Lenders taking possession of homes due to

unpaid mortgages.

- Student Loan Delinquency: Failure to make payments, potentially leading to garnishments.

- Bankruptcy: Legal process for debt settlement, affecting credit for 7-10 years.

- Debt Settlement: Negotiated reduction of debts, affecting credit for 7 years.

Impact on Credit

Derogatory marks can significantly lower your credit score and diminish your credibility with lenders, complicating loan approvals or favorable terms. The number of derogatory marks correlates with lower credit scores and increased perceived credit risk.

Recent credit history also influences the impact of derogatory marks. For instance, consistent on-time payments over a few years hold more weight than a repossession several years prior. Conversely, recent negative marks carry more weight than older ones.

Removing Derogatory Remarks:

You can dispute inaccurate derogatory marks with creditors or credit bureaus. Alternatively, for accurate marks, you can wait for them to expire or request removal through a goodwill letter, especially if you have a history of timely payments. While creditors aren't obligated to remove accurate derogatory marks, they may consider it under certain circumstances.

In summary, understanding derogatory marks and their effects on credit, coupled with proactive measures to address them, can help maintain a healthy credit profile.

The duration of the process depends on several factors, such as the contents of your credit reports, the presence of negative items, the age of information on your reports, and any public records. Each client's situation is unique, and the timeframe is determined after a thorough evaluation of their credit reports.

It's important to note that when enrolling in a monthly program, many clients begin to see results within the first 3 to 6 months. However, even if your report becomes clean during this period, you are still responsible for completing the payment plan you initially signed up for. The monthly program operates on a perpetual payment basis, providing clients who are unable to make upfront payments with a convenient payment plan option.

With the Express Program, you can expect significant improvements in your credit reports, typically achieving a 75% clean-up within 45 to 90 days. However, the exact timeframe may vary depending on the specific issues affecting your credit reports, including any public records involved. In some cases, the process may extend up to 6 months to ensure comprehensive resolution.When you opt for the Express plan, you're choosing the pay-up-front method, which prioritizes your reports in the queue. Misty, alongside her dedicated dispute team, will closely monitor your disputes to ensure swift and effective results. This proactive approach aims to expedite the resolution process and deliver the best outcomes for you.

The ultimate outcome of your credit scores after completing our process depends on several factors. Firstly, it hinges on what remains on your credit report following the removal of negative items. Additionally, it's crucial to adhere to the instructions outlined in your action plan provided by Misty.While eliminating negative items is a significant step, it's only half of the equation. To witness substantial increases in your credit scores, you'll need to take further actions such as building credit, paying down debts, and managing your finances responsibly. By following through with the recommended steps, you can maximize the potential for significant score improvements.

Once you're enrolled, you will receive a welcome email. It's essential to thoroughly read through this email. Following that, you'll need to complete your intake form, select the appropriate credit monitoring service, and submit your identity documents. Once these steps are completed, our onboarding team will initiate the onboarding process.

Typically, this process should only take 24-48 hours if all the correct information was provided.After the onboarding process is finished, you will gain access to your private portal. For organizational purposes, we kindly request that you communicate with us exclusively through the client portal or customer service channels. Please refrain from sending dispute-related inquiries via text, as they may be overlooked.

Moreover, you'll receive links enabling you to book a complimentary 30-minute Q&A session with me monthly. Feel free to reach out with any questions or concerns via email or the client portal at any time. My team or I will respond promptly to address your inquiries.

At this time, I don't conduct in-person meetings. For my safety and personal reasons, I currently prefer digital meetings via phone or Zoom.

Yes, you have the option to add two tradelines at any time for an additional $1000 on top of the program you have purchased. Additionally, if you prefer to purchase tradelines separately, that's perfectly fine. I offer packages with a minimum age of 10 years and a $50,000 limit for $1500.

Yes, you can upgrade from your personal plan to a business plan. Any credit you've accrued from your personal plan will be credited towards your business plan

While you can put your plan on hold if you're unable to make the payments, please note that the balance will still be owed. Our monthly subscription isn't designed to be indefinite, and we offer very low enrollment fees to accommodate individuals who may not be able to pay upfront, by providing a payment plan option.

To qualify for personal credit funding, you should ideally meet the following criteria:

Maintain a 100% payment history.

Have fewer than 2 recent account-holding hard inquiries.

No collections or derogatory remarks on your credit report

Keep credit utilization below 10%

At least 3-5 active accounts that have positive reporting history for at least 6-8 months

To qualify for business credit funding, it's ideal to meet the following criteria:

Maintain at least $20,000 in available credit.

Hold a minimum of 2 primary credit cards

Maintain at least 3-4 open accounts.

Maintain a 100% payment history.

Have fewer than 2 recent account-holding hard inquiries.

Ensure there are no collections or derogatory remarks on your credit report.Keep credit utilization below 10%.

Yes, please contact my directly at [email protected]