Fixed Price Credit Repair! No Monthly Fees! Call 855-611-2733


Disputing Inaccurate Information and Collections on Your Report

A debt collection agency can't report information that's inaccurate or incomplete on your credit file. It's against the law. So, if any of the information reported about a collection account is incorrect or incomplete, you have the right to dispute that account with the agencies. They must verify the information with the source. If the source doesn't confirm the information within 30 days, the credit reporting agency must remove it.
If the debt on your credit report isn't yours, don't pay it. We'll have the credit bureau remove it from your account after a formal dispute. If a collector keeps a debt on your credit report over seven years, they must remove that debt.

Will a Collection or Debt Automatically Come Off Your Credit Report?

Collection accounts remain on your credit report for up to seven years after the date you first became delinquent with the lender.


Remove a Foreclosure from Your Credit Report

Removing a foreclosure from your credit report requires time, patience, and expertise. You can dispute it, but you’ll need the correct documentation to demonstrate that it doesn’t belong on your credit report.

You may be able to remove a foreclosure from your credit report if:

  • The foreclosure is more than seven years old
  • The lender is no longer in business
  • You have a voluntary dismissal
  • There is a lack of available records
  • Violation of Predatory lending laws 
How Does a Foreclosure Affect My Credit Score?

A foreclosure can drop your credit score by up to 140 points.

Foreclosures mean you were late on your payments before the foreclosure, which leads lenders to think you might not pay them back. 

How Long Does it Take for a Foreclosure to Come Off Your Credit Report?

Foreclosures can typically stay on credit reports for more than seven years.



To remove repossessions from your credit report, you’ll need to prove to the credit bureaus that the repossession is fraudulent, outdated, inaccurate, or in violation of predatory lending laws. Another way to remove repossessions from a credit report is to validate all sales and lending procedures involved are free of State DMV violations.


A repossession can stay on your credit report for up to seven years, making it harder for you to qualify for other loans.

Repossessions have a severely negative impact on your credit and can show lenders that you may not be able to make payments on future loans.



Are you tired of being denied rental property in the neighborhood of your choice because of a past eviction? Have you ever wondered why most evictions don't show up on your traditional credit report profile, but landlords always seem to find it? At Credit Gurus, we access all credit reporting agencies, not just the primary 3 (Transunion-Equifax-Experian)

Here are some ways to remove evictions

While the process is more complicated, it's not impossible.

  1. Petition the court: In the county that filed the case, you can petition the court to have the eviction expunged from your record.
  2. Win your case: If the landlord served you an eviction notice without a legal or valid basis, prove that. A judge is more likely to rule in your favor if you demonstrate that the eviction was unfounded and not the result of you breaking your lease.
  3. Show proof that you didn't violate the lease: Make it evident you didn't break the terms of your lease. For example, prove that you paid your rent and left the property in a satisfactory condition. Provide evidence when possible. Documentation, such as cleared rent checks and photos, can support your case.
  4. Ensure proper procedures were lawful: Keep an eye on the landlord's process of carrying out the eviction. Laws vary by state, but there's always a specific procedure a landlord must follow when filing the eviction and serving the eviction notice to you. 
  5. Make yourself familiar with your state's laws governing eviction suits. Be sure to document how your landlord fails to abide by the required legal process.

About Our Credit Repair Program

Hello, my name is Andrew Lamar, president of Credit
I'll begin by telling you how greatly I admire your quest for outstanding credit!Good credit is the foundation that built 99% of all wealth in America. 

I would like to see you build a 700 plus credit score, and I have devised a plan to help you reach that goal quickly.
However, I need to be perfectly blunt about the one major obstacle standing in the way of most people reaching that goal.
If commitment isn't a problem and you qualify for our accelerated credit repair program, let's not waste any more time.I'd be honored to teach you all the credit building tools, loopholes, and secrets, that the privileged have used to obtain an envious lifestyle while accumulating massive fortunes!

We Offer Options For Credit Repair 

The Ultimate Do-It-Yourself Step By Step Guide  

How We Get Fast Results?

Unlike other credit repair companies, our service includes a legal audit of your credit reports by a Certified FICO Specialist.

This personal legal touch, along with cross-checks by our FCRA compliance validation database, gives us the leverage to fix your credit legally and permanently.

Save $200.00 With Our Couples Plan

📞Call Now 855-611-Credit

Our Customers Love What We Do!

Customer Reviews

Based on 4 reviews
Anna S
Highly recommend

My credit cards went into collections during the pandemic, this company was able to guide me on what I should do and was able to get my credit back in good standing in just a few months. I can't thank you enough.

Ronald Costello -Medical Assistant
5 Stars isn't enough

"My credit was 512 and in 60 days it had increased to 643 i am super impressed. I didn't have to settle any accounts and at least 60% of the negative stuff was removed from my credit report. I will keep you posted as my score rises, as of now i'll recommend credit gurus to everyone!!"

Debbi Martin -Luv Boutique

"I have never written a review in my life until now. I only have 3 words for this company"

Kathy Vega -TalkBird
These guys are the real deal

"I had a repossession on my credit for 3 years, and Ive been scammed before from companies saying they could remove repo's. A friend of my moms recommended credit gurus and these guys are awesome! It took a few months but they got the repo off my credit, raised my score to 703 and i just got approved for a brand new Mercedes C Class with a 3.9% APR. I am ecstatic."


💵 Get Paid To Refer Friends 

Our Mission 

We are a team of passionate Credit Repair

Specialists dedicated to helping our clients

see exceptional results.

We don't stop until your score is excellent!

Share Now