Top Flight Assistance

Payment History

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The first thing any lender wants to know is something about your credit history. Namely, whether your credit payments have been made on time. This is one of the most important factors in a FICO® Score. A few late payments are not an automatic “score-killer.” An overall good credit history can outweigh one or two instances of late credit card payments. However, having no late payments in your credit report doesn’t mean you’ll get a “perfect score.” Your payment history is just one piece of information used in calculating your FICO Scores.

Any questions or concerns please contact our Customer Care Department at (442) 229-5480

TYPES OF ACCOUNTS CONSIDERED FOR CREDIT PAYMENT HISTORY

Account types considered for credit history could include:

  • Credit cards (Visa, MasterCard, American Express, Discover, etc.)
  • Retail accounts (credit from stores where you shop, like department store credit cards)
  • Installment loans (loans where you make regular payments, like car loans)
  • Finance company accounts
  • Mortgage loans

PUBLIC RECORD AND COLLECTION ITEMS

These types of events are considered quite serious, although older items and items with small amounts will count less than recent items or those with larger amounts. 

Negative factors include:

  • Bankruptcies – will stay on your credit report for 7-10 years, depending on the type
  •  Lawsuits 
  • Wage attachments

DETAILS ON LATE OR MISSED PAYMENTS (“DELINQUENCIES”) AND PUBLIC RECORD AND COLLECTION ITEMS

FICO® Scores consider:

  • How late they were 
  • How much was owed 
  • How recently they occurred 
  • How many there are

HOW MANY ACCOUNTS SHOW NO LATE PAYMENT

A good track record on most of your credit accounts will increase your FICO® Scores.

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You Got Questions?
We Got Answers!

If your looking to improve your financial situation, then we’d like to help. Whether it’s personals credit or business credit we have proven solutions that scale to your needs. Call us today!

It depends. We are able to get negative items deleted because the credit bureaus are responsible for maintaining accurate records and the government sets up laws to help you hold the bureaus accountable. Deleting negative items is not about whether or not you actually owe on that debt, but if the bureaus are accurately recording that debt. If there are inconsistencies then we are likely able to get that debt removed.

We have helped thousands of people improve their credit and qualify for new homes, cars and other loans. We have a 4.8 out 5 star rating from over 2000 reviews on our Facebook page. And we are committed to delivering Top Flight service to all out customers.

Although we can not​ ​guarantee​ ​that we can remove​ ​any​ ​specific​ ​items,​​ ​we​ ​can​ ​guarantee​ ​that ​your​ ​credit​ ​report​ ​and​ ​FICO score​ ​WILL​ ​improve​ ​or​ ​we​ ​will​ ​grant​ ​you​ ​a​ ​100%​ ​refund.​ ​There is nothing to lose, book your free consultation NOW!

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