Our Services
Late Payments
336 Credit helps remove or correct late payments, improving your credit score and supporting your journey to better financial stability.
Credit Issues
We dispute inaccurate collections and charge-offs, helping reduce their impact on your credit and restore your financial credibility with confidence.
Bankruptcies
At 336 Credit, we dispute outdated or inaccurate bankruptcy records—minimizing credit damage and helping you rebuild a stronger financial foundation.
Judgments & Liens
We review and dispute inaccurate judgments or liens, helping reduce long-term credit damage and improve your path to financial recovery.
Repos & Foreclosures
We dispute inaccurate repossession and foreclosure records to minimize credit damage and support your journey toward financial stability and recovery.
Credit Inquiries
We identify and dispute unauthorized or inaccurate hard inquiries, helping protect your credit score and improve your overall credit profile.
Student Loan Help
We assist in consolidating student loans and correcting reporting errors to ease repayment and strengthen your overall credit profile.
Third-Party Collections
We investigate third-party debt collections, disputing unverifiable or inaccurate accounts to protect your credit and ensure legal compliance.
Collection Issues
We dispute inaccurate or unverified collection accounts, helping protect your credit and ensure only valid debts remain on your report.
Late Payments
Late payments can severely impact your financial reputation and creditworthiness. When bills or loan installments are not paid on time, creditors may report them to credit bureaus, resulting in a lower credit score. This can reduce your chances of getting approved for loans, credit cards, or rental agreements in the future. Additionally, late payments often come with penalty fees, increased interest rates, and added stress. Maintaining timely payments not only helps you avoid extra charges but also builds trust with lenders and supports long-term financial health and stability. Responsible financial behavior starts with paying on time. time reflects financial responsibility and helps you build a strong credit history.
Credit Issues
Credit issues can arise from late payments, high credit utilization, loan defaults, or inaccuracies on your credit report. These problems can lead to a lower credit score, making it difficult to secure loans, credit cards, or favorable interest rates. Many people face credit challenges due to unexpected hardships or lack of financial guidance. Addressing these issues early is crucial. By reviewing your credit report regularly, disputing errors, paying bills on time, and reducing outstanding debt, you can gradually rebuild your credit profile. Good credit is essential for financial freedom and long-term stability.
Bankruptcies
Bankruptcy is a legal process that helps individuals or businesses eliminate or repay debts under court protection. While it can provide relief from overwhelming financial pressure, bankruptcy significantly impacts your credit score and remains on your credit report for up to 10 years. This can affect your ability to obtain loans, credit cards, or even housing. However, it also offers a fresh start and a chance to rebuild financial stability. With the right guidance, budgeting, and responsible financial habits, many people successfully recover after bankruptcy and work toward a stronger financial future.
Judgments & liens
Judgments and liens are serious credit issues that can negatively affect your financial profile. A judgment is a court ruling requiring you to pay a debt, while a lien is a legal claim against your property to secure that debt. Both can stay on your credit report for years and make it difficult to qualify for loans, mortgages, or other financial opportunities. Ignoring them can lead to wage garnishment or property seizure. However, with proper legal support and credit repair strategies, these issues can be addressed, resolved, and eventually removed, helping you regain financial control and restore your credit health.
Repos & Foreclosures
Repossessions and foreclosures occur when lenders take back property—like vehicles or homes—due to missed loan payments. These actions have a major negative impact on your credit score and can stay on your credit report for up to seven years. Repos and foreclosures make it difficult to qualify for future financing and may result in legal or financial consequences. However, recovery is possible. By managing your debt, creating a solid repayment plan, and working with credit professionals, you can begin to rebuild your credit. Taking action early helps prevent long-term damage and puts you back on the path to financial stability.
Credit Inquiries
Credit inquiries occur when a lender, creditor, or organization checks your credit report. There are two types: soft inquiries, which don’t affect your credit score, and hard inquiries, which can lower your score slightly and stay on your report for up to two years. Multiple hard inquiries in a short time may signal higher risk to lenders and impact your chances of loan approval. While occasional inquiries are normal, excessive hard checks should be avoided. Monitoring your credit activity, applying for credit only when necessary, and spacing out applications can help maintain a healthy credit profile and financial reputation.
Student Loan Help
Student loans can become overwhelming, especially with high interest rates and limited repayment options. Many borrowers struggle to keep up with payments, which can lead to default, credit damage, and financial stress. Student loan help services provide guidance on repayment plans, loan consolidation, deferment, and forgiveness programs. With the right support, you can reduce your monthly payments, avoid default, and regain financial control. Understanding your options is the first step toward managing your student debt effectively. Professional assistance ensures you make informed decisions, protect your credit, and build a stronger financial future while focusing on your career and life goals.
Third-Party Collection
Third-party collections occur when original creditors sell or transfer your unpaid debts to collection agencies. These agencies then pursue repayment, often using aggressive methods that can cause stress and anxiety. Accounts in collections can significantly lower your credit score and remain on your credit report for up to seven years. Ignoring them can lead to legal action or wage garnishment. However, with the right approach, you can negotiate settlements, request validation, or even remove inaccurate accounts. Seeking professional help ensures your rights are protected while you work to resolve collection accounts and rebuild your credit for a healthier financial future.
Collection Issue
Collection issues arise when unpaid debts are handed over to debt collectors. These accounts can severely damage your credit score and remain on your credit report for up to seven years. Frequent calls, letters, and legal threats can create emotional and financial stress. Many people face collection problems due to unforeseen circumstances like job loss or medical bills. However, you have rights under the Fair Debt Collection Practices Act (FDCPA). With the right guidance, you can dispute inaccuracies, negotiate settlements, or remove resolved accounts. Taking action early helps protect your credit and puts you back on the path to financial recovery.