About Negative Credit

The small cost of having your credit scores raised by improving your credit is far outweighed by the savings you will realize on future loans... and present loans that can be refinanced at lower rates because you decided to retain Real Time Credit thereby, enjoying your new and improved credit scores.

Credit Troubles?
COST OF NEGATIVE CREDIT INFORMATION
Compare What Good Credit Can Do For You
 
Example: $200,000 Mortgage Loan - Paid Over 30 Years
Credit status
Rate
Payment
Cost of bad credit
Perfect
5%
$1,073.64
least amount
Good
7.5%
$1,398.43
$116,920.42
Mildly damaged
9.9%
$1,740.38
$240,026.79
Damaged
12%
$2,057.23
$354,073.21
 
$20,000 Car Paid Over 5 Years
Credit status
Rate
Payment
Cost of bad credit
Perfect
4.9%
$ 376.51
least amount
Good
9%
$415.17
$2,319.43
Mildly damaged
19%
$518.81
$8,538.20
Damaged
29%
$634.84
$15,499.43
 
Don’t wait 7-10 years. Call Real Time Credit today and begin restoring your credit.

NO LAW REQUIRES NEGATIVE INFORMATION TO REMAIN ON YOUR CREDIT REPORTS

Negative information can stay on a report for as long as 7 to 10 years. And in the case of a collection account being sold from one collection agency to another, the negative entry can remain on your files for even longer.

Recent studies by several ‘Consumer Advocacy Groups’ concluded that up to 70% of consumers have inaccurate information that falsely portrays a negative credit rating. Because of negative entries on credit reports consumers are forced into paying higher interest rates on loans, insurance and denied the ability to rent and obtain employment.

The good news is that federal law allows you to review your reports and challenge the negative or derogatory information. Despite the fervent claims that negative information must stay on your credit reports, Credit Team has deleted or upgraded thousands of negative entries for their clients.

 

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Trust is the first step.

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Credit Tips of the Month

Learn the basics from the experts.

Read up on professional tips and insights on where to start and the things to consider in improving your credit score first hand.

Starting Your Business

You can do it in Real Time.

Real Time Credit is a critical tool in developing business credit. For brand new businesses (under two years old) all of your business credit will be based on your personal FICO score.