7 Years is a LONG Time

When negative credit items appear on your credit report, they can stick with you like a bad habit… the darn things never seem to go away.

Say, for instance, you lose your job or have a financial hardship that causes you to be late on several payment such as your car and a few credit cards.  Then, you weather the storm and are lucky enough to recover and within a year, at which point you manage to get fully caught up on your payments.  Nice recovery!  All is well again, right?

Not so fast, my friend.

Those late payments and negative items don’t just go away once you catch up on your bills.  Instead, they sit there and fester for a full 7 years, potentially wreaking havoc every time you need to apply for credit and forcing you to pay higher interest rates.

7 long years…

So then you have to figure out the resulting financial damage such as:

• Higher car payments
• Higher mortgage payments
• The possibility of being turned down for a home loan or other financing
• Higher credit card rates and fees

This can easily add up to thousands of dollars per year, times 7 years! 

By the end of year seven, it could realistically be tens of thousands of dollars cumulatively – and that’s if you don’t have any other late payments during that 7 years.

This situation might sound extreme, but it happens to good, hardworking people every day.  It’s a major reason why some families are never able to “save for a rainy day” while they struggle to fully recover.

But there is hope!

Credit repair can remove those negative credit items in a fraction of the time, getting you back on your financial feet in a matter of months instead of years.  In addition, it saves you those thousands of dollars that would otherwise be burned by having low credit scores.

You could think of it like a time machine that can erase a 7 year nightmare by drastically speeding you to higher credit scores!

7 years is just too long to wait for your credit to recover.  Give us a call and we can explain the process, field all of your questions, and give you honest answers.  Our credit specialists are standing by to help!