When To Seek Help To Repair Credit?

That, my friend, is a loaded question.

Before we begin…

Full Disclosure:

In this blog, I’m letting you in on tactics that have helped my paid clients, and some pro-bono (what can I say, I have a big heart ((my one core value that has never changed))).

Many of these people, which I now refer to interchangeably as friends or family, have went on to brag about me on my Google Business Page. God bless their heart.

Thanks to them, my business is 5-star rated on all platforms to include GoogleFacebookYelp, and Thumbtack. That’s it, as far as I know, but it could be more.

Anyways, for this disclaimer, I want you to understand that by no means I’m claiming the techniques outlined herein are silver bullets.

The point I want to get across to you is that in no way I could summed up in one blog or article post the depth of my knowledge.

My familiarity with credit came through countless sleepless nights reading, huge investments in highly curated specialize knowledge materials, and a dedication to application through hard work.

In addition, my efforts were complemented by training in private setting with the likes of Andre CoakleyKen Jarman, and John Ulzheimer, just to name a few of my influencers and thoughts leaders.

I’m sure they themselves have their own sifu. Therefore, in total this knowledge amounts to several centuries of studies.

I am not even implying that they will work for you because that would be absurd. If anyone even hint to you that what worked for someone else will work for you in credit repair; do yourself a favor and run the other way.

Having said that, consider the information here a guideline. So, soak it in before you adapt it to your situation. Research and fact check it if you will. Then, mix and mirror the tactics as you see fit.

Just remember, although they’ve worked for thousands of others, they were carefully chosen among thousands of tools in the toolbox of tradesmen who have found passion in this profession.

Ultimately, I wish you many many deletions and corrections on your credit report.

Let’s begin.

>>> Disclosure End <<<

It is a loaded question as it assumes you are already aware of your credit issues. Some people may not even know they are walking around with bad credit. Statistics show that 79% of credit report have errors on them. That’s not to say that every negative item on a credit report is erroneous. Although derogatory, some detrimental items may be reporting accurately. That’s also not to say that there is nothing that can be done about it. However, that’s a conversation for another day. For now, let’s just focus on the question at hand. And the short answer is, it depends.

If we were on Who Wants To Be A Millionaire, I could use all my lifelines and get different correct answers from each one. Even then I might not address your specific situation. In hope of providing value you can use; I’ll try not to leave any stone unturned. To do that I’ll expand into the short answer to factor in the how. So, let’s unpack the question. Shall we?

What It Depends On:

It depends on the item type that is on your credit report, as well as your objective. Regardless of the types we discuss, we’re assuming that it’s at least inaccurate, obsolete, outdated, and or unverifiable information. Here are the different item types we will discuss: identity theft affected tradelines, late payments, and repossessions.

Identity Theft:

For this type of issues, you should seek help like yesterday. Did you know that financial identity theft is the most common type of identity theft? A Javelin research found that approximately 14.4 million Americans were affected by some sort of identity theft in 2018 alone. In case you’re wondering if that may include you, I’ll let you in on a little secret. There are two types of people in America:

1. Those that have had their personal information stolen

2. Those that don’t realize they have had their personal information stolen

So, if you haven’t already, head on to annualcreditreport.com to order your FREE credit report. If you need help reading it. Check out this video.

Late payments:

Brief Note

For late payment, there are two approaches I tend to use. I’ll break them down below and explain what it depends on for either tactic. The first timing is right away, the second is give it 3 months or so.

Option 1

For the immediate options, assure that you weren’t more than 30 days late past the due date for payment. Late payments are reported in 30 days increments. Many payment arrangements have a grace period. Sometimes you may be past the grace period and trigger a late payment, but you weren’t a full 30 days tardy. I hope you catch my drift my friend.

Option 2

For the 3 months wait, that’s when you know you were late on your payment more than 30 days. When you use that technique, it’s best you don’t have no other late payment mark on that tradeline. Reason being is because you’re going to be leveraging your previous pristine pattern history before the late payment and your new established pattern after it. The more relationship history you have with that company, the better your chances. Many people like to call the correspondence for reversing the late payment the goodwill letter. You can find many online like right here.

Longer Note

Be careful though, I think the admission part is amateur stuff. Rule #1 of dealing in business in America, you never admit guilt. The way I do it is a compound that’s part science, part art and it hit the sweet spot a lot. And no, it’s not a template. So, it’s nothing I’m holding back that I could share. In fact, if you seek my services for late payment alone, I’ll rather tell you what I’m mentioning here instead of taking you on as a client.


The short answer for repossessions is to wait 2 years. However, many things could have happened in that two years. And likely, each of those things could have required or provided you the opportunity to respond. In my experience, most people don’t respond either because they don’t know to or they are scared to even open the letters, or if they did, a glance at it is discouraging enough to not make them read it thoroughly. That aside, here are some things you should receive within those 2 years in the following order.

1. Notice of Sale

2. Calculation of Deficiency or Surplus

3. Summons

The first two are usually what gets ignored, hoping that the situation would go away. Usually when someone receive the third one, that’s when they start to see the writing on the wall. If you’re beyond two years since your repossessed car and you haven’t received the third document yet, you should consult with a professional. If it hasn’t been 2 years and you received the third document already, you should consult a professional ASAP.

Finally, Objective:

Back in my country, Haiti, we have a saying that translates into: ” it’s not WHEN you’re sleepy, that you should attempt to FIX your bed”. The advice from this proverb take into consideration that the HOW to fix your bed can make it difficult if you wait until WHEN you need the deed done. For example, if your dream is to come into the new decade as a homeowner and you have credit issues, the reality is you might have to postpone that dream because you should have sought help maybe even 6 months ago. My apology if this is a hard pill to swallow; I understand it is a nice chunk of truth.


Just in case it wasn’t crystal clear in the full disclosure above. I’d like to reiterate that by no means you should consider the information shared here as legal advice. The purpose here is to give an idea as to WHEN someone should seek help to repair their credit. It just wasn’t feasible to attempt to answer this frequently ask question without touching up on the HOW.

Really, really, last word

All things considered, all legit credit service organization will offer a complimentary consultation and from that, you will know WHEN to get started.

P.S: Regarding what can be done about negative item reporting accurately on your report, this is simply not the right medium to share that information. I only dive deep into the details of it in my email campaign that goes out to people that have booked an appointment with me. And, due to timing mainly or finite resources on their part, we haven’t yet move forward. That email series serves 2 purposes. For one, it provides them massive value by educating them on the process in case they’d like to do it themselves. The second purpose is that they know where to find help in case they get their resources but don’t have the time to implement the free game I give out. That email is titled “The Catch 22 Tip”, but it is just the 15th email in the sequence (subject to change).

P.P.S. Call me maybe, 954.859.7000

Ciao! For real this time. At least for now.

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