Rebuilding Credit

& Its Impacts

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Get Rid of Negative Information on Your Credit Report

Sometimes, the bad financial decisions that you made years ago can continue to cause problems for you in the present. While there are time limitations for negative information to remain on your credit report, these pieces of information are not always removed automatically. Contact 360 Credit Consulting to learn how we can help.

BAD CREDIT CAN NEGATIVELY IMPACT YOU IN THE FOLLOWING WAYS:

  • Increased difficulty obtaining loans
  • Higher interest rates
  • More restrictive loan terms
  • Difficulty renting an apartment
  • Roadblocks to jobs and security clearances
  • Higher insurance premiums
  • Problems obtaining a cell phone contract
  • Strain in personal relationships

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The time frame in which negative information remains on your credit report is determined by the type of information. For example, general, negative credit information will stay on your credit report for seven years, filing for personal bankruptcy will remain on your report for ten years, and any lawsuits or unpaid judgments against you will last for either seven years or until the statute of limitations runs out, whichever is longer.

What to Do When You’re Denied

Applications for credit, insurance policies, or employment can all be denied due to negative information on your credit report. When this happens, it is naturally discouraging, but we can help. Contact 360 Credit Consulting to learn how we can assist you in dealing with less favorable credit terms or increased insurance premiums.

Repair Steps

360 Credit Consulting will work with you to contact the lender, insurance company, or employer to make sure that they provided complete and accurate information when submitting their report. To make matters easier, you may obtain a free credit report from the credit bureau that provided the report if you submit your request within 60 days of receiving the notice.

Obtain Help

Don’t let time slip away while you do nothing. Contact 360 Credit Consulting to speak with one of our experienced credit professionals to receive the compassionate care that you need. Everyone makes mistakes. We can help you learn how to make better choices in the future as we work together to repair your credit.

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We Specialize in All Your Credit Needs

360 Credit Consulting can help you save! Are you trying to get credit approval? Improving your credit will save you thousands of dollars each year with better interest rates.

Do you know what’s reporting on your credit report? Do you know what can make it better or worse? Do you know how to maintain a good credit score? Take advantage of our free educational resources and start saving money today.

Don't let a few bumps in the road hurt your financial future. Errors and inaccuracies on your credit are costly, and you might not even be aware of them. We find them and help you remove them.

We can help calculate a realistic time frame for you to achieve the results you want. 360 Credit Consulting analyzes your credit and guides you through the process.