How does credit repair work?

Start by reviewing your credit reports and identifying the accounts that may be affecting your credit. Through your membership with Your Credit Path, you will learn how to recognize negative information by its category and understand why an account may be considered negative.

Late payments: The account reports that one or more required payments were made late.

Charged-off accounts: The account reports a serious delinquency after payments stopped and the lender treated the unpaid balance as a loss.

Collection accounts: The account reports a debt placed with a collection agency or sold to a debt buyer. A collection may be paid or unpaid. Paying it updates its balance and status, but does not automatically turn its collection history into positive payment history or remove the entry.

Your membership helps you understand these categories, review the details and choose the guidance that matches the information you want investigated. Your Credit Path strategy begins with understanding what is on your report so you can take your next step with greater clarity and confidence.