A collection appearing on your credit report can be very devastating to your credit score and your financial stress. A collection agency will often report a collection account to one, two, or all three credit bureaus, depending on the agency. Paying off these collection accounts will not necessarily remove them from your credit report, but that also depends on the collection agency. However, there are a few things to be aware of when it comes to affecting your credit history that might help put you at ease. What is a Collection? The majority of the time, a collection account will remain on a credit report even after getting paid. Although this paid status will appear on your credit, the account itself will remain like a stain for the next seven years. After paying the collection off, the credit bureaus should be notified of the payment and mark any collection account […]
BLOGS
Why Do the Credit Bureaus Report Different Scores?
When looking through your latest credit report, you may find that each credit bureau may report different scores. Not only that, if you look even closer, it may even report different balance amounts for lines of credit. So what exactly is happening here? Depending on when and where you grab your credit report, it may only show what is available at that current moment. Many factors go into building a credit report from someone’s credit history. Lenders and furnishers need to report to the credit bureaus and the credit bureaus have to compile that information and give it out when an inquiry is made, but different bureaus might get information from the various lenders at different points. Each credit bureau will also view what’s reported by the creditors and may interpret that information differently from one another. What all of this boils down to is that creditors may report different[…..]
Why Am I Getting So Many Prescreen Offers in the Mail?
One day you are checking your mailbox and it’s full of nothing but credit card and loan offers saying that you are already approved. This happens day after day, and you might be wondering why you are getting so many of these offers. It’s because lenders and credit card companies try to entice new customers by sending these kinds of offers out. How this works is by you having some sort of credit history already, usually an open line of credit. Companies will ask the three credit bureaus (Equifax, Experian, and Transunion) for a list of people who might meet their qualifications for a good customer or borrower. You may even see these companies and lenders looking at your credit history appear on your credit report as “soft inquiries.” Not every credit reporting agency will show these types of inquiries because they do not affect your credit score, so there[…..]
When is the Best Time to Start Getting Social Security Benefits?
You’re coming to the point where you feel like you can finally retire and escape the daily grind and get some well-deserved rest. But is there a best time to start claiming Social Security benefits? Well not all ages are equal in this regard. For a lot of your time working to earn an income you are also making payments to the Social Security Administration for payouts later in life. They are a reward for a life of hard work and help people live a little more comfortably in their later years; however, this fund isn’t usually enough to get a luxurious retirement. That’s where retirement plans like 401(k) come in. Social Security is a set of government benefits that help workers with at least 10 years of labor. The earlier possible retirement is at 62 years old; however, this may not be the best time to start collecting. Retirement[…..]
Make Billing Dates Work On Your Schedule
Managing finances and working with different lines of credit can both be huge hassles. But there’s no need to let the stress of managing multiple billing dates between credit cards and utility bills get you down. There are ways to get through the month without the need of having to remember numerous days to pay your bills. A lot of people don’t know that you can simply change your statement and billing dates for several or all of your lines of credit. It’s not a particularly hard thing to do, but it requires you to be responsible with your credit and pay bills on time. How to Change Billing Dates Depending on your schedule and way of life, you may have preferred days to pay your bills or have different methods of payment for specific bills. There are two main ways that people can schedule their payments: Spread out payments[…..]
Inquiries: Why Are They on My Credit Report?
When looking at your credit report and through your credit history, you may notice a few things near the end called inquiries. Inquiries are when a creditor, lender, or furnisher checks your credit history and pulls your report for them to view. These reports include the complete credit history of a consumer and an aggregated credit score, usually by either FICO or VantageScore–although FICO is more common. These inquiries can be detrimental if you collect too many of them as each inquiry can bring your credit score down by 2 – 5 points each. These inquiries are ways for creditors, credit agencies, and bureaus to track your credit activity. Any line of credit, loan, or collection may also appear alongside these inquiries. For example, Quincy opens up a new credit card account with Discover Card. The next time he checks his credit report, a DISCOVER inquiry and a DISCOVER account[…..]
Several Reasons to Improve Your Good Credit Score
A steady income alongside regular responsibility allows you to hold onto a good credit score. A good credit score to lenders is anything above 700, but the maximum credit score is 850. Just because you’re hovering above 700, there are still ways to increase that good credit score into a great score. There are several factors to consider regarding why a higher score should matter if a borderline 700 is perfectly acceptable. These can range anywhere from better loan opportunities to making a score more “durable.” First, consider that a great or near-perfect score can not only benefit you as an individual, but it can also help out people whom you love and trust: friends and family. People you know and trust can benefit from your incredible credit score, and it’s much easier to raise a good credit score than a bad one. If you have a child who has[…..]
How to Start Your Credit Journey: Secured Credit Cards
So you’re new to the world of credit because you’ve never borrowed money before through a loan or credit card. Whatever the reason, If you want a bright credit future you’ll need to start building your credit history as soon as possible. Even if you think you’ll never need to borrow money via a loan or believe you can pay everything off with your debit or ATM card, things can always change down the road. A lot of young people have seen the detrimental effects of credit cards: high interest rates with the potential to drown consumers in debt. However, things may change when these same young people want to get a mortgage or an auto loan. Both of these loans will be determined by the person’s credit history and score, but if there is no history, they won’t loan out any money. By the time you need an installment[…..]
How to Examine Your Credit Report
Credit cards are simple enough to understand on their own through a creditor’s or bank’s web portal or phone app. However, it is important at times to get a full credit report to see what the bureaus are displaying when furnishers look up your credit history. It’s easy to find relevant information pertaining to your credit card through a bank’s website such as the balance owed and account number, but there is a lot more information that a single credit card can hold that may not be so easy to find through a bank statement or credit card web app. This information can range from account number, late payment history, to opened dates and inquiries. Credit reports give you a full picture of what’s appearing on your credit history and what exactly is affecting your credit score. Not only that, it is pertinent to know if there’s any unfamiliar financial[…..]
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THE BEST
signed up about two months ago, Raquel has been an amazing help, my scores for 3 bureaus already up 80 points. She has been the best. Very informative, whenever you need her she is available on the spot. Highly recommended. No matter how many questions you got, she will answer and explain everything. I really needed help with my credit and I'm so glad I went with this company. If you need help don't hesitate to reach out to them
Shara M.
10/14/2024 I cannot recommend this company enough!! I was terrified with some of my debt and even called lawyers to see if they would help. Raquel gave me a free 30 minute consultation and got me from completely terrified to feeling at peace and with a plan in ONE phone call.
Being in debt is so scary and unfortunately there are a lot of shitty companies out there. Raquel and Fix Your Credit Consulting are a breath of fresh air and have the best care and attention for their customers. Schedule your call with them immediately and get a hold of your credit and finances! Katya Z.
9/18/2024 The true sign of a business is one that could take your money, but instead tells you the truth that they can't help. I spoke with Sandra on behalf of a friend that had some credit issues and she determined that based on his report, she couldn't help him at this time. This company is wonderful and I would recommend to all friends and family having credit issues.
Thanks again Sandra for your honesty. 
Keith B.
6/27/2024 - I've known Sandra for at least 10 years. She is a phenomenal person to work with and a super hard worker that cares about people. Do not hesitate to work with her and her amazing team. Jeff is wonderful as well!!
Thank you, team Fix Your Credit Consulting you are amazing***** Hassan J.
6/06/2024 Sandra is the best she is patient kind knowledgeable and undertaking and provides a judgement free zone no matter how many times you find yourself calling her because life kicked your butt again .
Jeff is also great and super helpful and always is super on top of everything he does and every phone call . I owe them for helping get my life back 
Nikki M.
3/21/2024 When thinking about what I was grateful for over the past year one interesting thing came up as a standout.
Perhaps credit services are not the typical thing to be thankful for at this time of year, and perhaps not for all standard reasons you might expect to hear in a gratitude tribute, but it goes like this...
Sandra is not just experienced and knowledgeable, but also calming in her manner. She was not judgmental and through mutual sharing made me realize things can happen to anyone and not to feel ashamed for inquiring about the subject of credit and all of the 'fun' things that can go along with it etc.
One of the most important things I am grateful for is how she was able to lower my stress level by not only being kind, but also by being respectful and truly understanding.
I am so glad I reached out to get a fresh perspective and get my queries answered on the way to fixing any related issues that need fixing.
Thank you so much again. 
Jeff S.
11/26/2023 - My name is Carlos mia and her team did amazing incredible job helping my with my credit this the best credit consulting I have ever seen they go beyond customer service they help u every step along the way they keep u updated so friendly and they are the best if ur having issues with ur credit or u want to improve it try fix your credit consulting they will help u they are the best at what they do thank you mia and ur team for all you do thanks Carlos R.
11/18/2023 I've been working with Mia now for the past two years. What can I say, she's a rock star. So thankful to be able to work with her on repairing my credit. My score is now 738. Thank you Mia! - 5 stars! 
Iyare O.
10/27/2023 Your review is well-written! Here's a slightly adjusted version for clarity and coherence:
For over a decade, I've been primarily an artist and creator. This lifestyle often had me walking a tightrope with my credit. I always believed I'd address it someday, and when that day arrived, Fix Your Credit Consultants came to my rescue.
They not only removed derogatory marks from my credit history but also exceeded their promises by completing the process faster than estimated.
If you're facing credit issues, I can vouch for their exceptional work. Mia Lopez assisted me from start to finish. She was incredibly informative, helpful, and clear. Their excellent communication and execution earn them a well-deserved 5 stars.
I wholeheartedly recommend this business to anyone!
Thank you, Mia! 
Braxton T.
8/19/2023 - Man! Not even sure where to start. Mia is the GOAT at this, it took a hefty 10 months worth of work to fix my credit and damnit was it worth it!!!!!! she steered me in the right direction and kept her word from the first time I got on the phone with her for a free consultation, my credit before starting was completely shot and needed MAJOR work. Long story short Mia took control and revived my credit across all three credit bureaus. She communicates with you during the entire process and is fairly quick to reply to any concerns you may have. My scores are pretty much all at 700+, not to mention she managed to delete every single one of my negatives. Went from terrible credit to damn near A1 credit. If you are looking for an excellent credit repair company. I highly recommend Fix your credit consulting, they're the truth! Tremaine G.
6/13/2023 I recommend Fix Your Credit with Sandra, she was amazing, from beginning to end. She helped me fix my credit in no time! Do not hesitate to consult with her. Jorge C.
5/18/2023 My credit was terribly low before I found Fix Your Credit Consultant. I worked with Mia over the course of just two months and my credit boosted up 100+ points! Now my credit is over 740. Mia was very patient with me. She clearly explained every question I had. I'm so glad I got to work with Mia and her team! Definitely recommend to anyone who wants to fix their credit ! Pearl N.
2/21/2023 - This credit counseling service has done wonders for me. They truly take the time to break down your credit report and help you understand it while providing solutions to raise your scores. They knocked off so many things on my credit report that I would have never had the time or patience to handle. Love them! Amanda H.
2/13/2023 Mia and her team have been a godsend navigating a tricky process to remove falsely negative claims on your credit report. Including unwanted past credit checks without my knowledge, old unpaid bill in collections which I never received notice for. Definitely use their service!! D.B. C.
2/11/2023 Absolutely amazing services , they are awesome ! They gave me a consultation and did exactly what they said , raised my credit over 100 points. Mia has been amazing during the process. Highly recommended . Danny C.
1/23/2023 - Wow just wow. Sandy and her team perform greatness. My boyfriend went from a high school student credit score with delinquent accounts to a 758 excellent credit score. He followed all instructions given on what he needed to do to build up his score and let the team work with his debt. Believe in her team for positive outcomes.
Monica A.
1/07/2023 Ok so I've been holding off writing this review for about 7 months. And as you can see by the 5 stars I left I'm beyond happy with the services this company provided me. I was skeptical at 1st even though they had stellar reviews (which is why I chose them) but there's always that thing in the back of my mind of "well they probably won't be able to help me though, I will be that exception they cant fix". Needless to say they absolutely crushed getting EVERY collection I had off my report!!! I had about 5 grand worth of stuff on there that they managed to make disappear like magic. My credit has shot up over 150 points! I cannot say enough good things about them. I even referred my coworker to them after and they sent me a $50 referral check back! If you're looking to clean up your credit, don't wait, call these superstars and get on your way to feeling confident about your credit again. I feel like a huge weight has been lifted off my shoulders and I'm so grateful. Thank you fix your credit!!! 
Rob ..
8/27/2022