Loan Service
Fix your credit by removing negative loan entries like charge-offs and delinquencies that are dragging your score down.
Negative Loan Item Removal Service
A loan that’s been reported negatively—whether it's delinquent, charged off, or defaulted—can have a serious impact on your credit score. These records make lenders hesitate, limit your borrowing options, and increase your interest rates.
Our Loan Item Removal Service focuses specifically on loan-related issues that may be outdated, inaccurate, or simply shouldn’t be there anymore. Whether it’s an old auto loan, a forgotten personal loan, or a student loan error, our team investigates and disputes loan entries that are hurting your financial future.
By working directly with credit bureaus and using laws like the Fair Credit Reporting Act (FCRA), we help clean up your report and rebuild your credit profile—ethically and effectively.
Loan Collection Removals
Target and remove loans that went to collections but may be reported inaccurately.
Delinquent Loan Removals
Dispute missed or late loan payments that are incorrect or unverifiable.
Loan Charge-Off Removals
Remove charged-off loans that continue to damage your score.
Late Loan Payment Removals
Eliminate outdated or unfair late payment records tied to personal or auto loans.
How It Works
We take a step-by-step approach to clear negative loan items from your credit report.
1
Credit Law Expertise
We rely on real legal power—not guesswork. Our specialists use laws like the FCRA and FDCPA to challenge inaccurate loan items and demand proper verification.
2
Education-Driven Support
You’ll learn how to protect your credit in the future, including how to manage current loans and avoid new pitfalls.
3
Personalized Strategy
Every person’s credit situation is unique. We build a custom plan based on your loan history and financial goals—no templates, just tailored action.
Ready to Improve Your Credit?
Fill out the form now to get started with our Loan Dispute Service. One of our credit experts will contact you within 24 hours to go over your report and map out your path to a cleaner credit profile.
No Upfront Fees
Only pay once we get results—zero risk, full transparency.
Cancel Anytime
No long-term commitments or contracts. Stay with us because you see real progress.
Results Guaranteed
If we don’t remove any loan-related items in 90 days, we’ll give you a full refund.
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Frequently Asked Questions
How long does the loan dispute process take?
Each round typically takes 30 to 45 days. Many clients see major improvements in 3 to 6 months, depending on the complexity of their report.
Is it legal to remove loan charge-offs?
Yes! If the item is inaccurate, outdated, or unverified, you have the legal right to dispute it—and we help you do that effectively.
How much will my score go up?
While results vary, most clients see a boost of 50 to 100 points within a few months. If you have multiple loan negatives, the potential for improvement is even greater.