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2. What is a 609 dispute letter? - AOL

   www.aol.com/finance/609-dispute-letter-221731481...

   While many people call these documents 609 dispute letters after a section in the Fair Credit Reporting Act (FCRA), dispute letters are actually covered under Section 611. Section 609 gives ...

3. Can a goodwill letter get late payments removed from your ...

   www.aol.com/finance/goodwill-letters-payments...

   A goodwill letter is a formal letter sent to a creditor, lender or collection agency to request forgiveness for a late payment or other negative item on your credit report. In the letter, you ...

4. How to repair your credit in 5 steps - AOL

   www.aol.com/finance/repair-credit-5-steps...

   The bottom line. Taking charge of your credit is not just about numbers — it’s about taking control of your financial future. Whether you’re aiming to secure a loan, rent an apartment or ...

5. Foreclosure - Wikipedia

   en.wikipedia.org/wiki/Foreclosure

   Credit scores are greatly impacted after a foreclosure. The average number of points reduced when you are 30 days late on your mortgage payment is 40 – 110 points, 90 days late is 70 – 135 points, and a finalized foreclosure, short sale or deed-in-lieu is 85 – 160 points.

6. Repossession - Wikipedia

   en.wikipedia.org/wiki/Repossession

   When a provision of law requires that repossession takes place, the lien holder has a non-delegatable obligation not to cause a breach of the peace (which is synonymous with disturbing the peace) in performing the repossession or the repossession will be reversed, and the party ordering the repossession will be liable for damages (or the lienholder will be held responsible).

7. Credit Repair Organizations Act - Wikipedia

   en.wikipedia.org/wiki/Credit_Repair...

   It is the general consensus that a credit repair company can only be paid after services have been rendered. This can be done using a monthly fee model where companies charge clients on a monthly basis after services are rendered or on the more modern pay after deletion model where clients only pay after items are deleted from the credit report.

8. Don't fall for a credit repair scam: Clean up your credit for ...

   www.aol.com/finance/credit-repair-160240600.html

   While credit repair companies often claim they can "erase" bad credit or boost your scores, claims like these can be both false and misleading. Follow 5 steps to fix your credit without spending a ...

9. Debt collection - Wikipedia

   en.wikipedia.org/wiki/Debt_collection

   After the corresponding (two or six, depending on province) anniversary of the last formal intention to pay the debt, neither the collection agency nor anyone else has legal authority to collect it. [22] Credit bureaus will retain both the debt and collection history on the debtor's credit file for 6–7 years, depending on province. Although ...