Vivix Credit Solutions specializes in Late Payment Removal and Las Vegas Credit Repair services. Free Consultation in Las Vegas for Late Payment Credit Repair Vivix Credit Solutions is a licensed and bonded credit service organization that has successfully assisted Las Vegas clients with credit repair and correcting or removing late payments that are inaccurate, questionable, and unverifiable to the credit bureaus.

Although the credit bureaus are required to follow reasonable procedures to ensure that the late payment information they report is accurate, mistakes or errors can and will occur and may affect your credit score.

A late payment indicates how many days you are late from the payment due date. Late payments can range from 1-30 days past due, 30-60 days past due, 60-90 days past due, 90-120 days past due, 120-150 days past due, and 150-180 days past due. The Credit Bureaus are notified by your creditor when your payment is 30 days late. Since your payment history makes up approximately 35% of your credit score a late payment can significantly decrease your credit score, sometimes by up to 100 points! Typically, a late mortgage payment will have the most negative impact on your credit score. Late payments can also cause your interest rates to be increased and your creditor may also charge you a late fee.

Once a late payment is reported to the credit bureau, it could remain on your credit report for 7 years and a late payment will make future applications for credit more difficult to obtain. This information is used by lenders such as credit card companies to determine an individual's credit worthiness; that is, determining an individual's willingness to repay a debt. The willingness to repay a debt is indicated by how timely past payments have been made to other lenders. Lenders like to see consumer debt obligations paid on a monthly basis.

Vivix Credit Solutions in Las Vegas will perform a free consultation to review your credit report with you, determine the best credit repair program to meet your needs, provide you with pricing, and answer any questions that you may have about your credit, late payment removal, and credit repair services.

Vivix Credit Solutions will also show you proof of the hundreds of las vegas clients who have received our credit repair services and will also show you proof of late payment removals.

As noted in the Fair Credit Reporting Act, late payments should automatically be removed from your credit report by each credit bureau 7 years from the date the late payment was made.

If you have a late payment that is more than 7 years old and it has not been removed from your credit report, please contact our office for a free consultation with one of our Credit Experts to discuss how to remove the late payment from your credit report.

If you have a paid tax lien that is more than 7 years old and it has not been removed from your credit report, please contact our office for a free consultation with one of our Credit Experts to discuss how to remove the tax lien from your credit report.

Vivix Credit Solutions can also assist you with:
• Late Payment Removal
• Collection Removal
• Charge-off Removal
• Bankruptcy Removal
• Judgment Removal
• Repossession Removal
• Tax Lien Removal
• Inquiry Removal
• ID Theft Correction
• Credit Score