CRN Nevada

Low Credit Score


CRN Website FAQ

Our process begins with a detailed analysis of all three credit reports. This is FREE to you and comes without conditions. You are free to take the analysis as our gift to you. This analysis provides a comprehensive review of all three credit reports, the good and the bad information so that we are able to get the most accurate information to assist you in the process of repairing your credit. We will begin to build our plan and execute it immediately. We have a team of credit bureau specialists that spend their days dealing with the credit bureaus that work to achieve deletions and an increase in score for you with every round of work they complete.

We have three ways for you to get started:

  • You can book an appointment here (link)
  • You can pick the right package for you and start today here (link to services)
  • You can request more info here (link to AWeber)

Once our process begins you will be given a link to a portal which will allow you to view each negative item, the dates the challenges were sent to the credit bureaus, and the removals/deletions once they have happened.

This portal also keeps track of your scores along the way. You will also receive letters in the mail from the credit bureaus, and perhaps the creditors as well. We will want scanned copies of any correspondence that you receive.

You can expect updates general 35 days after each round of disputes have been sent on your behalf.

  1. The length of time that negative items appear on your credit report can vary depending on the type of negative item and the credit reporting agency you're dealing with.
    Here are some general guidelines:
     Late payments: Late payments can stay on your credit report for up to seven years from the date of the missed payment.
  2. Collection accounts: Collection accounts can also stay on your credit report for up to seven years PLUS 180 days (6 months) from the date of the first missed payment that led to the account being charged off.
  3. Bankruptcy: A Chapter 7 will remain on your report for 10 years and a Chapter 13 remains on your report for 7 years.
  4. Foreclosure: A foreclosure can stay on your credit report for up to seven years.

We have removed every type of item that there is to be removed from a credit report over the years.

The devil is in the detail as far as the processing of removing negative items from credit reports is concerned.  Even items which may feel as if they are accurate in terms of their appearance on your credit report may be removed because of the accuracy, or lack of accuracy in the detail of the reporting.   We specialize in reviewing each items on your credit reports—all three of them, for accuracy.  Mistakes happen all the time at the credit bureau level and our credit specialists are experts at identifying these errors and having items removed as a result of the errors.

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate or incomplete information on your credit report, and the credit reporting agencies have an obligation to investigate and correct any errors.

Some of the types of items that can be removed from your credit report include:

  1. Inaccurate personal information, such as an incorrect name or address.
  2. Duplicate accounts or accounts that don't belong to you.
  3. Accounts that have been settled or paid off but still appear as delinquent or in collections.
  4. Late payments that were reported in error or that should have been removed after you made a payment arrangement with the creditor.

5.                  Collections accounts that were reported in error or that you didn't owe.

Negative items can have a significant negative impact on your credit score, potentially causing it to drop by several points or more depending on their severity, recency, and credit scoring model used.

Here are a few examples.

Late payment

The number of points your credit score may drop due to a late payment can vary depending on a number of factors, including the severity of the late payment, how recent it was, and your overall credit history.  The old expression, the bigger they are, the harder they fall applies here.

In general, a late payment may cause your credit score to drop by as much as 100 points or more if it's your first late payment or if you have a relatively short credit history. If you have a long credit history with a solid track record of on-time payments, the impact of a single late payment may be less severe, perhaps dropping your score by 30-50 points.

Yes, paying your bills on time can improve your credit score. Payment history is the most important factor in determining your credit score, and making on-time payments shows lenders and creditors that you're responsible and trustworthy.

When you look at the scoring model for FICO, 35% of your credit score is based on your pay history.

Late payments, can have a significant negative impact on your credit score, and that's why it's important to make all of your payments on time, including credit card bills, loan payments, and utility bills.

In addition to making on-time payments, there are other things you can do to improve your credit score, such as keeping your credit utilization low, maintaining a mix of different types of credit, and monitoring your credit report for errors or fraudulent activity. By taking these steps, you can help build a strong credit history and improve your credit score over time.


  •   Send us every document you receive from a creditor or a credit reporting agency.  Anything that has to do with the repair process. 
  •  Keep your credit card balances at or below 10% of usage, if possible. This will allow us to see the true impact of our work.
  •  Follow up with our office when we call or text you—generally time is of the essence.


  • Apply for any credit or allow for an inquiry to happen. This can and will slow our process down.
  •  Miss any payments at all.
  • Respond to any collection agency calls.  Alert our office at once to any calls or communications from any debt collectors.

In general, we like to have our clients in and out of our system in 90-120 days.  We realize that each situation is different.   Every credit file is different in it’s own way.

We will try to set expectations for you once our process begins, or prior to the process beginning so that you do know what to expect.

You may be someone that will need some debt settlement work after the process of disputing and removing items has been completed. This will extend the time on our end, but will also likely end up allowing for additional deletions.