A default is also known as an overdue account and is a type of negative listing (black mark). If you have an overdue account, this can be reported on your file. If the overdue account is $150 or more and more than 60 days overdue, it can be reported on you file. Negative listings can come from banks, phone companies, gas and electricity providers, furniture leasing and more. For commercial defaults, an overdue account can be listed if it is $100 or more. However, before a listings is placed on your file, a company must follow the right procedures according to legislation. We specialise in identifying non-compliant listings on your file and will make a legal request on your behalf for the marks to be removed from your file if companies have not followed the right procedures.
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We assist and in the document processing. Our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.