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Collection accounts are among the most common and most removable items on credit reports. Debts sold between collection agencies frequently lose documentation along the way — if a collector cannot fully verify the account upon dispute, the FCRA requires its removal. Medical collections are especially prone to billing errors, insurance disputes, and assignment chain failures. We challenge every collection for accuracy, ownership documentation, and verification failures.

A single 30-day late payment can drop a score by up to 100 points and legally remains for 7 years — but only if it's accurate. Payments frequently get misreported as late due to processing errors, creditor mistakes, and system failures. We review every late payment entry for incorrect dates, wrong account numbers, and reporting errors that make them challengeable. For errors that occurred during financial hardship, goodwill deletion letters to original creditors can also yield removals.

Charge-off accounts — where a creditor has written off the debt as uncollectible — often contain errors in the date of first delinquency, the charge-off amount, and the account status. These errors affect when the item must be removed and how much it continues to damage your score. We audit every charge-off for challengeable inaccuracies across all three bureau files.

The Fair Credit Reporting Act limits most negative items to a 7-year reporting window from the date of first delinquency. Credit bureaus frequently leave expired items on reports — sometimes for years after they should have been removed. Given that the 2008-2015 period produced some of the most concentrated credit damage in American history, a substantial number of negative items on reports today should already be legally gone. We identify every expired item and demand immediate removal.

Vehicle repossessions and subprime auto loan defaults frequently contain errors in the deficiency balance amount, repossession date, and post-repo reporting. High-cost installment loan defaults — especially payday loans, title loans, and consumer finance accounts — regularly misreport payment histories, principal amounts, and date of last activity. All of these affect both the score impact and the legal reporting window.

Accounts opened in your name without your authorization, hard inquiries you didn't approve, and mixed-file entries where another person's history appears on your report are all removable with proper documentation and disputes. We identify every unauthorized entry across all three bureaus and pursue complete removal with appropriate fraud affidavits and supporting documentation.

Wrong addresses, misspelled names, incorrect Social Security numbers, and outdated personal information create the conditions for mixed files and ongoing identity confusion. Cleaning up personal information on all three bureaus is an important foundational step before disputing negative accounts — inaccurate personal info can be used to justify keeping wrong accounts on your file.

Multiple hard inquiries — especially from high-cost lenders, auto dealers, or credit applications you don't remember — can each drop your score by 5-10 points and collectively cause significant damage. Inquiries you didn't authorize or don't recognize are disputable and removable. We review every inquiry across all three bureaus and challenge every one you didn't consent to.

I'm David. I founded Full Time Credit Repair after my own identity was stolen in 2009 while I was working in real estate — and I had to navigate the credit bureau system entirely alone. That experience gave me firsthand expertise in exactly how the bureaus work, how creditors respond to disputes, and how to fight for removal when items shouldn't be there. When you're a Full Time Credit Repair client, you work with me directly — not a junior rep, not outsourced staff, not automated software. I personally review your file, write your disputes, and respond when you message me on WhatsApp. You will always know exactly who is working on your case.

Before you spend a dollar, I record a complete walkthrough of your actual credit report — so you see exactly what's on there, what each item is doing to your score, and exactly what our plan of attack will look like. No vague promises. No signup pressure. You see the work plan before you commit to anything. This level of transparency is unheard of in the credit repair industry — and it's standard practice for every Full Time Credit Repair client.

Text me any time. I respond personally — typically same day during business hours. No phone trees, no ticket systems, no call centers. When your bureau response comes in, when a deletion goes through, or when you have a question at 8pm, you can reach me. This is the kind of direct, personal access that no national chain or automated service can provide — and it's a core part of what makes our results possible.

Many credit repair services send a single round of generic dispute letters and call it done. We run multiple targeted rounds, going deeper with each cycle — escalating from standard bureau disputes to direct creditor interventions, CFPB complaints where appropriate, and debt validation demands for collection accounts. Each round is informed by the responses from the previous round. This systematic approach is what creates 100+ point improvements instead of 15-point ones.

Your SSN, account numbers, and financial documents are handled with strict security protocols and never shared with third parties. Confidentiality is a non-negotiable foundation of our practice — not a checkbox. We handle sensitive financial documents for thousands of clients, and we take that responsibility with the seriousness it deserves.