Date of Last Activity - Every account has a date of last activity which is essentially the last time money was sent to that account. Note that sending ANY money to a debt resets the statute of limitations on the account and so can give collectors several more years to collect a debt!

Debt Consolidation/Debt Pooling – Essentially the same as Consumer Credit Counseling but a little less harsh to your credit. Our debt consolidation program allows you to keep one debt out of the program and has no prepayment penalty.

Debt Consolidation Loan - Debt Settlement- Many creditors are willing to settle a debt for less in order to avoid legal fees and to get the debt off their books. With our debt settlement program we take the calls from creditors and do the settling for you, saving you thousands of dollars. Call today for a free quote. Debt settlement in combination with credit repair is an excellent way to rapidly improve your credit standing.

Derogatory Item - Negative items on your credit report. These include collections, late payments, bankruptcies, judgements, charge-off’s, etc. Derogatory items lower your credit score, the more recent they are the more the penalty.