COVID-19 and
Credit Repair

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Credit Reports and Covid-19
Millions of people's finances affected.

Credit Reporting During and Post-Pandemic

Job losses and extended isolation have Americans across the country worried about the future. Economic distress, Covid-19 (Coronavirus) pandemic is raising questions for many consumers. 

Many of our clients have asked of how to handle their finances and how manage their credit with the information reporting from their creditors to the 3 National Credit Reporting Agencies.

Follow these best practices to help minimize the impact of Coronavirus on your credit standing:


Common Questions and Answers


Depending on your credit profile, we can recommend :

Q: What is the best practice for a consumer facing an economic downturn when it coms to credit standing?

  • Ask for payment deferement. If you are unable to make even the minimum payment, contact your lenders and creditors and see if any assistance is available.
  • If possible, pay what you can. Try to avoid late payments 30 days or more.  Don’t ruin your credit by not making your minimum payments.
  • Stay up to date on your credit reports. You are entitled to a free copy of your credit report every 12 months from each of the three nationwide credit bureaus (available at

Q: What steps can I take to avoid falling into debt during the Covid-19 pandemic?

Falling into debt because you could be out of work or a reduction of hours has happened across the country.  The inability to pay bills, student loans, medical loans or other expenses and not limited to credit cards.  We recommend financial planning out a minimum of 3 months forecasting your expenses and future payouts.

Budgeting is helpful to keep credit card debt down, where possible. Take a look at how much you’re making and what you’re spending. Identify places where you may be able to cut usual costs.

Talk to lenders and creditors. Depending on your unique financial situation it may make sense to call their lenders and creditors to discuss your options. There may be options to defer payments or negotiate different interest rates.

Q: What about consumers who fall into debt or who are anticipating a financial hardship to layoffs or temporary closures due to Covid-19?

Consumers experiencing financial hardships are likely wondering how potentially late or reduced payments might impact their credit standing. Many lenders and creditors are aware of the financial challenges caused by Covid-19 and are taking steps to help consumers face them:

  • The Federal Housing Finance Agency (FHFA). Fannie Mae and Freddie Mac, which are overseen by FHFA, have recently instructed mortgage servicers to establish a moratorium on foreclosures and evictions for borrowers who have suffered hardship due to the pandemic. Under this program, consumers who have experienced hardship can report their circumstances to their lenders and may be granted this relief period. Visit and for more information on this relief program.
  • The Department of Education says borrowers can pause student loan payments for at least 60 days because of disruptions caused by Covid-19. Visit and for the latest updates.

We will update this page if we learn of new relief programs that become available.

Q: How might deferred payments, missed payment allowances and other actions by credit card issuers be reflected on credit reports?

A: It’s important to remember that even one late or missed payment may impact credit scores and remain on credit reports for seven years. But generally, late payments don’t end up on credit reports for at least 30 days after you miss the payment. 

If you’re out of work or struggling due to the pandemic, contact your lenders and creditors to explain your situation and see if any accommodations can be made. In some situations like Covid-19, it’s possible that lenders and creditors may have special assistance available to reduce the risk of impacting your credit standing. Some creditors or lenders may waive late fees or offer short-term loans, and some may provide the opportunity to make reduced payments, interest-only payments, or no payments for some period of time — a practice known as forbearance. 


Better Credit for you.

Establishing a credit foundation with a good mixture of accounts will help diversify credit history and in turn help raising the credit score.

-Retail Revolving Credit Cards
-Bank Revolving Credit Cards
-Charge Cards
-Lines of Credit (Business & Personal available)

Authorized User Accounts

Boost your credit file temporarily adding trade lines to your credit report. If you have little or no credit history, becoming an authorized user gives you a jump-start. When someone you trust adds you as an authorized user to their credit card, a new account will appear on your credit report.

Credit Injection / Secured / Unsecured Credit Cards

Administer quickly with account advising, communications support and technical reporting to realize ROI.






Deleted Accounts

FDCPA Knowledgable Staff

Fair Debt Collections Practices Act

Protection Against Creditors Violating the FDCPA

Some debt collectors are known to practice unfair debt collection methods that can be deemed as harassment or a violation of the Fair Debt Collection Practices Act (FDCPA).

If there are any violations of the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA) on your credit report or by collection agencies, we refer to an attorney that specializes specifically against the unfair and/or abusive practices by debt collectors.

For example, here are some actions a collection agency is not allowed to do:

    • Call before an unreasonable time, normally deemed 8:00 a.m. or after 9:00 p.m.
    • Use abusive or profane language
    • Contact your employer, relatives, friends or neighbors
    • Mention damage to your credit score
    • Contact you on your cellular phone or at work if they have been advised not refrain from contact.


These accounts mainly include any open collection accounts and charge-off accounts that still have a balance.

If any violations are found, you may be entitled up to $1,000. This step can also contribute to 30% of your credit score versus whatever is positive or negative on your file but not limited to your inquiries and or balances.


Proven effective Credit Repair

Credit Correction

10,000 participants with anxiety and depression over 12 weeks:
Source: Proprietary Data reporting from our CRM


within 90 days


within 120 days


After 12 weeks, employees reported feeling more energized, productive, and engaged.
50% less work hours missed
+36% increase in productivity
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Validated by experts

10+ years

Credit Restoration Processing and Coaching


Deleted erroneous items
Awarded “Best Overall” Mental Health Solution

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