A charge-off happens when a creditor deems your debt as unlikely to be paid. While the debt may still be owed, it severely impacts your credit score and can stay on your report for up to seven years.

Repossessions occur when a lender takes back property (like a car) because of missed payments. Repossession can significantly damage your credit score and remain on your report for up to seven years.

A lien is a legal claim placed on your property due to unpaid debts (e.g., tax or mechanic's lien). It can prevent you from selling or refinancing your property until the lien is resolved.

A bankruptcy filing can severely damage your credit score, as it shows a history of financial instability. It remains on your credit report for seven to ten years, depending on the type of bankruptcy filed.

A judgment is a court order that confirms you owe money to a creditor. It can lead to wage garnishment, property liens, and significant credit damage, staying on your report for up to seven years.

Foreclosure occurs when a lender takes possession of a property due to unpaid mortgage debt. It causes severe damage to your credit score and can stay on your credit report for up to seven years.

To book an appointment, simply click on the "Apply for Credit Analysis" button or contact us directly to schedule a consultation. We're here to help you understand and resolve these issues.