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Answered questions I had without having to ask them. It's a big help to me and my credit. Thank you for offering this product.","author":{"@type":"Person","name":"MICHAEL J DELAHOUSSAYE","url":""}}]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-repair-credit\/","headline":"How to Repair Your Credit: A Step-by-Step Guide","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-repair-credit\/","datePublished":"2020-05-23","dateModified":"2023-04-21","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-repair-credit\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/#Person","name":"Kevin Mercadante","url":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/","identifier":36,"description":"Kevin Mercadante is a freelance personal finance blogger and the owner of his own personal finance blog, Out of Your Rut.\u00a0 A recent transplant to New England, he has backgrounds in both accounting and the mortgage industry.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/how-to-repair-credit.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/how-to-repair-credit.jpg","height":460,"width":1900},"keywords":["schema"],"commentCount":"1","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-repair-credit\/#Comment1","dateCreated":"2025-01-07 23:54:09","description":"<ul><li>Last year I reached out to a few mortgage companies trying to refi my house in order to payoff my Chapter 13 bankruptcy, but they all told me I needed to wait a year in order to do so. So last year 2023, I started my search again and came across a great credit score specialist who dealt with my bankruptcy loans, auto loans and mortages, I filled out the questionnaire and received a call from&nbsp;SWIFTHACKGENIUS at g mail dot com. He assured me that they could help me out of the situation I was in. The process started in Feb 2023 and it wasn\u2019t an easy task. Most of the roadblocks I came across were from tax lien issues, trustees, and attorneys asking for certain financial items. He guided me through the entire process and made sure we stayed on track. Him and his team was instrumental in helping me get out of my Chapter 13 bankruptcy and back on track to a more peaceful stress free life. Not only was I able to payoff the bankruptcy, but I received a cash payout with an FHA loan and the interest rate was lower than my previous one.&nbsp;and not to forget my credit score went up from 570 to 850 with his amazing expertise.If anyone is currently in the same situation I was in, I would highly suggest you contact him and he will be ready to assist you.<\/li><li><br><\/li><\/ul>","author":{"@type":"Person","name":"Rick James","url":""}}]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/reflex-card-review\/","headline":"Reflex Card Review: An Expensive Unsecured Card to Build Credit","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/reflex-card-review\/","datePublished":"2020-05-20","dateModified":"2021-09-29","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/reflex-card-review\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/ashley-sutphin-watkins\/#Person","name":"Ashley Sutphin Watkins","url":"https:\/\/moneydoneright.com\/author\/ashley-sutphin-watkins\/","identifier":60,"description":"Ashley is a graduate of UNC-Chapel Hill where she studied journalism. 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She has worked as a journalist, content creator, and copywriter for nearly a decade, with a focus on personal finance, real estate, and healthcare. She now lives in Knoxville with her husband and young kids. During her free time, she enjoys traveling and enjoying the outdoors in East Tennessee.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d7ed67c6901210e47bcba4a6963591eda262f239ba4608acb8908580b17a8c03?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d7ed67c6901210e47bcba4a6963591eda262f239ba4608acb8908580b17a8c03?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/capital-one-quicksilverone-review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/capital-one-quicksilverone-review.jpg","height":460,"width":1900},"keywords":["schema"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-late-payments-from-credit-report\/","headline":"How to Remove Late Payments From Your Credit Report","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-late-payments-from-credit-report\/","datePublished":"2020-01-16","dateModified":"2021-09-29","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-late-payments-from-credit-report\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/#Person","name":"Kevin Mercadante","url":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/","identifier":36,"description":"Kevin Mercadante is a freelance personal finance blogger and the owner of his own personal finance blog, Out of Your Rut.\u00a0 A recent transplant to New England, he has backgrounds in both accounting and the mortgage industry.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/11\/how-to-remove-late-payments-credit-report.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/11\/how-to-remove-late-payments-credit-report.jpg","height":960,"width":1440},"keywords":["schema"],"commentCount":"2","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-late-payments-from-credit-report\/#Comment1","dateCreated":"2023-05-25 06:06:20","description":"&nbsp;My husband is a veteran from the Airforce and he had Colin cancer surgery almost 2 years ago and mini strokes and we are really tired of moving and renting and having slum lords. We were working to get his credit score raised (a lot of the collections are for medical) . His score was a little under 500. He requested V A loan but was not granted due to his not so perfect score. All effort to get it done via the federal credit Bureau was proved abortive and we needed this badly. Thank God for Wendy, a neighbor who referred us to this man Cybers space, he helped us eliminate all debt on the credit report and improved his score to 810 (Excellent). My Husband requested for the V A loan again and was granted. That was when I believed this guy had really done a great job on his credit which he also confirmed from the 3 credit bureaus. Thanks cybspace279@gmail.com&nbsp;","author":{"@type":"Person","name":"Sarah Kelly","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-late-payments-from-credit-report\/#Comment2","dateCreated":"2022-09-24 07:18:23","description":"My credit score was a 840 and around last year August I woke up to 550. My credit history has been stellar for over 20 years. Apparently there was an $8.00 charge 60 days past due on a chase account. Due to COIV 19 and a lost of job and relocation, I never received the letter saying that I typed in the wrong number on the routing and therefore the payment was never received. I immediately called in paid all the fees ( more than $8), paid it up to date and closed it but it had affected my credit very bad, I did all I could to get my credit score to normal but all effort didn\u2019t yield any result for months until I met a Credit expert who had worked closely with Credit companies last year November on Youtube. I contact his official email (tom.lawrence114 @gmailCom) I explained to him I want to to buy a home and start a family but I was denied due to my low credit score, he told me he would fixed my credit and get me back or above my formal credit score, I taught it was all a joke until we both got a deal. I complied and work with him while he was helping me out, after he was done he told me to check my credit score, I was amazed my score increased to 850 on Equifax I checked Experian and TransUnion they are all increased as well. I will be spending the next 7 years telling people the story of how you help me restore my life filled with promise of a family, above all Thank you Tom!","author":{"@type":"Person","name":"Patty campbell","url":""}}]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-negative-items-from-credit-report\/","headline":"How to Remove Negative Items From Your Credit Report","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-negative-items-from-credit-report\/","datePublished":"2020-01-16","dateModified":"2023-04-21","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-negative-items-from-credit-report\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/#Person","name":"Kevin Mercadante","url":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/","identifier":36,"description":"Kevin Mercadante is a freelance personal finance blogger and the owner of his own personal finance blog, Out of Your Rut.\u00a0 A recent transplant to New England, he has backgrounds in both accounting and the mortgage industry.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/12\/remove-negative-items-from-report.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/12\/remove-negative-items-from-report.jpg","height":630,"width":1702},"keywords":["youtube","podcast","schema"]}]}