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Removing missed payments from your credit report

Credit can be a great benefit, offering you easy access to funds in the event of an emergency in Nashville. Yet it also can lead to long-term financial difficulties if you are not able to manage it wisely. It is fine to use credit (even advantageous, in certain situations) as long as you remain committed to paying it back in a timely manner. Missed credit card payments are among the most common issues found on personal credit reports. Such negative marks can remain on a credit report for up to seven years. Many have come to us here at Rothschild & Ausbrooks, PLLC wondering if there is a way to get such issues resolved sooner. 

If you have struggled with credit card debt in the past, you should know that you are not alone. Data compiled in the Consumer Financial Literacy Survey shows that 34 million Americans have admitted to being late with their credit card payments. Even a single late payment can affect your credit score. Yet if you still have an open account with a credit provider, that company may be willing to work with you to remove the record of your late or missed payment in the interest of retaining your business. It might be willing to simply remove the record altogether, or on the condition that you enroll in automatic payments or another of its services. 

You can also dispute the validity of the record on your own. There are also companies that offer credit repair services that may be familiar with regulations that allow for the early removal of credit delinquency records. Keep in mind, however, that such services typically require monthly subscriptions. 

You can learn more about dealing with credit card debt by continuing to explore our site. 

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Rothschild & Ausbrooks, PLLC
1222 16th Avenue South, Suite 12
Nashville, TN 37212

Toll Free: 866-656-8909
Phone: 615-866-2265
Fax: 615-242-2003
Nashville Bankruptcy Office