American Credit Counseling – How often Have You Missed a Payment?
Everybody generally has a bad day somewhere. These bad days are horrible and generally start with a long line at your favorite barista, then an AM stain on your shirt, followed by maybe an unexpected workload due to other people not showing up to work. I would say that would be a bad day BUT tomorrow you get to start up fresh.
Wouldn’t it be nice if your credit was the same way? Why are we paying over and over again for the same mistake? Is there a light at the end of the tunnel? Is there a way to start having good credit days? Yes.
Records of your life exist in places it probably shouldn’t. If you miss a payment over 30 days, it will be on your credit. There is no clause on your Experian credit documents that have an Atta Boy’ or Yay For You’ so this information will be there for a very long period of time.
The credit bureau feels that other lenders should know that you had trouble paying your first credit card bill when you were in college. They feel that someone who is checking your credit in Utah should know that you had to skip a payment on your apartment in Vermont due to hitting a snow bank with your car. How can we fix this?
Your credit rating will be affected by missed payments. You may be suffering from this now. Making monthly payments consistently for a minimum of 24 months will improve your reputation with your debtor but not with your credit score with another lender.
The legal staff at American Credit Counseling will assist you with wiping these bad things off your credit. Use our attorneys to start having good days with an average of an 800+ beacon score, a nice manageable payment if applicable, pleasant phone calls, and a great experience every day at your mailbox. Inform us of your situation below so we can help you begin to have good days. Live Well.
Ed Theodore Sparks
TEPA Opportunities
(310) 295-1965 (9-6 PST)
