Credit Xclusive Credit Repair

Paying expired or old debts can actually
make your credit score worse

Paying expired or old debts can actually make your credit worse

We have had a client inquiring about getting rid of collections for about $2,000 in order to qualify for a mortgage loan in order to purchase a home. Rather then
getting help, she decided to just pay off the loan herself.

Crazy part is, her score went down even further. Why? Because she re-aged the accounts and now they can't fall
of for another 7 years. Also, this gives the creditor a chance to sue her for unpaid accounts.

Don't let bill collectors harass you and ask for proof! If you are repairing your own credit, know that proof is the only thing that will make you pay back a debt.

Seek guidance from a professional as all cases are different and at times the most effective way is to actually pay the bill in an orderly fashion.

With Xclusive, you can gain knowledge and apply the correct actions with your goals ~ Visit Credit-Xclusive.com for more information

Collection agencies monitor your credit report for changes that could mean you're more willing to pay.

If they see inquiries from mortgage lenders, for example, they know you might be more motivated to pay without really questioning the debt since getting a mortgage and purchasing a home has such a time crunch

Some agencies will start calling and sending you letters, others will just throw the account on your credit report (which is not legal) and wait for you to call them

With Xclusive, you can gain knowledge and apply the correct actions with your goals📈
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