
We handle overdue accounts according to prescribed guidelines. If an account remains unpaid for 36 months or more, it is considered prescribed, and the consumer is not obligated to repay it. The account is then either completely removed from the credit profile or updated to closed status. Additionally, we record accounts that have been paid within the last 36 months. Creditors have 20 days to respond, but if they do not, which is often the case, the bureaus will remove the accounts due to lack of feedback. .

We dispute arrear accounts and prescribed accounts, as accounts that have not been paid for 36 months or longer are considered prescribed and the consumer is no longer obligated to repay them. These accounts are then either completely removed from the credit profile or updated to closed status. Additionally, we log accounts that have been paid within the last 36 months, as the credit bureaus give creditors 20 days to respond to disputes. If no response is received, which is common in many cases, the bureaus will remove the accounts due to lack of feedback.

If an account is paid in full and the consumer can provide a paid-up letter, we can facilitate the removal of any judgments associated with that account. However, if the account is not paid up but the judgment is older than 5 years, we can log a request to have it removed since judgments are only supposed to remain on a credit profile for 5 years. If the judgment is not older than 5 years, we can log it as taken illegally, especially if the consumer claims they never received a summons. It is important to note that credit scores increase automatically on a monthly basis, and risk status is updated accordingly.

Over time, we have observed a pattern by banks in which unauthorized interest charges are applied to a client's account following a missed payment. This often leads to a significant increase in the client's outstanding balance, making it difficult for them to manage the debt and leading to potential repossession of assets. Through numerous investigations in such cases, we have identified overcharges by banks that have resulted in refunds being issued to affected clients.

Our company specializes in providing ITC Clearance services, recognizing the significance of maintaining a favorable credit record. We employ the most effective processes to secure ITC Clearance for our clients. Our team of professionals will guide you through each step of the process, evaluating your current credit record and devising a personalized plan to ensure successful ITC Clearance. Upon obtaining ITC Clearance, you will have the opportunity to begin anew with a clean credit slate, enabling you to enhance or modify certain aspects that may impact your credit record. Visit our website or contact us for additional information on our ITC Clearance services and discover how we can assist you. Please note that credit scores automatically increase on a monthly basis, and risk statuses are regularly updated.

Debt mediation is a program that allows you to pay a reduced installment to your debt without having to be listed under debt review. This will immediately assist with your cash flow and help you live a debt-free life

Understanding the contents of your credit profile is crucial in identifying any underlying issues. Merely settling outstanding debts may not be sufficient to clear your credit profile. Our credit repair experts can assist you in improving your credit rating. Here's how the process works: How it works

Many individuals have experienced car repossessions by banks that were conducted illegally. Falling behind on installments does not automatically grant the bank the right to repossess your vehicle without following the proper legal process. If you are facing repossession and are unsure of what to do, we can provide assistance in navigating this situation

If you suspect that a garnishee order placed on your income is not lawful, our team can investigate and dispute it, ensuring that the correct processes and regulations are followed. We will work to protect your rights and ensure that any garnishee orders are valid and lawful.

Your financial stability and future are important. With our help, you can work towards improving your credit score and enjoy the benefits of having a clean credit report. We specialize in Debt Review and can also assist you in obtaining a Consolidation Loan, which can simplify your monthly debt payments. No matter the path you choose, we are here to support you every step of the way.
