Tax Liens

Tax liens — paid and unpaid — are no longer counted on credit reports. That means a tax lien won’t impact your credit score anymore. Previously, tax liens stay on credit reports for seven years if paid and 10 years if unpaid. In that way, they were similar to other negative marks on your credit […]

Home Buying

So you’re thinking about buying your first home. Your very own house (and mortgage). A place to call — and make — your own. It’s a big move, literally and figuratively. Buying a house requires a serious amount of money and time. The journey isn’t always easy. It isn’t always intuitive. But when you get […]


Like most things in life, credit scores can be frustrating if you don’t understand how they work. Did you know there could be errors on your credit report that are damaging your score? Or that not using your credit cards could backfire against you? And did you know that when some retailers and financial institutions […]

Secured Card

If you have poor credit, or none at all, it can be tough to get a loan or line of credit — even though that may be exactly what you need to up your credit score. Building a record of on-time payments is an important factor that impacts your creditworthiness. A Secure Card, Like TFA’s  […]


A co-signer is a person who is obligated to pay back the loan just as you, the borrower, are obligated to pay. A co-signer could be your spouse, a parent, or a friend. The lender cannot require your spouse to be a co-signer unless you are both applying for the loan. Any questions or concerns […]


You may already know how the dispute process works, but I would like to go over it again with you. We have found that by disputing certain accounts before others, the result can be more deletions in a shorter amount of time. We have found that if we dispute too many at once; the bureaus […]


Collection agencies are at the bottom of the barrel when it comes down to business. The only thing they care about is cold, hard cash. They don’t care if you’ve just lost your job, your spouse, or your health. Their job is to bleed you of money any way they can. Any questions or concerns […]


Not understanding the five elements that make up your FICO score could have a tremendous negative effect on getting approved for credit. Any questions or concerns please contact our Customer Care Department at (442) 229-5480 A FICO score is a three-digit number that is built from the information contained in your credit report. It summarizes […]

Collection Agency Laws

How Top Flight Assistance & The Fair Debt Collection Practices Act & the Fair Credit Reporting Act  regulates the collection agencies and prohibits them from how they are harassing you. Any questions or concerns please contact our Customer Care Department at (442) 229-5480 The Fair Debt Collection Practices Act regulates the collection agencies and prohibits […]

Review Credit Report

Reviewing your credit report every four to six months gives you a chance to check for identity theft, inaccurate accounts, and incorrect information. It allows you to manage your financial situation before applying for a credit card, auto loan, bank loan, mortgage loan, employment, or insurance.  Any questions or concerns please contact our Customer Care […]