Can a collection be put back on my credit report once removed?

Legally, and in a word, no.

This is one of the questions that we get asked most frequently. We say no, but it’s a bit more complicated than that.

Let’s give an example: let’s say John Doe Collections is listed on your credit file, and is 10 years old. It is disputed as “obsolete” and is removed from your credit file.   3 months later you find out that a brand new collection is on your report and after a little investigating you find out that a junk debt buyer has purchased this old and obsolete debt from John Doe Collections and is trying to collect on it.

Junk Debt Buyer has now also broken the law. Before an item can be inserted on your credit file, you have 30 days to dispute the information, and they must notify you of this. Junk Debt Buyer hasn’t done this, and you can now collect $1000 for each violation of the law!

Most states have Statute of Limitations laws that essentially make a debt contract invalid after a certain time. Many junk debt buyers, and even collections agencies don’t care and don’t bother to follow the law. And if a company is calling you at all odd hours of the day telling you how worthless you are, threatening to have you arrested, or anything else, they are breaking the law!

WIN 3 months of FREE CREDIT REPAIR!

That’s right! Kenyon Credit Services is giving away 3 months free of unlimited credit repair. Our $325 package can be yours completely and totally free.
This package includes all three credit bureaus, Chex Systems removal, cease and desist of creditor harassment and 3 months of unlimited disputes.

To sign up for a chance to win, please visit our website at www.kenyoncreditservices.com and fill out our contact us box. Be sure to list “enter me in the contest” in your comments section to be listed, and you must list a valid phone number and email address.

Sign up to win today!!

Changes at Kenyon Credit Services

As many of your know, prices on everything are going up all over the country. Here at Kenyon Credit Services this is completely true for us as well. We have decided to implement some new changes that we believe will be most helpful and beneficial to all of our customers, as well as providing the best deals that we can possibly make to get people’s credit repaired timely and efficiently.

Begininng August 1st, we will be changing our pricing to the following: our Triple Bureau Repair program will be valued at $325. While this may seem high, this comes with many different options as a program. Included with this price are 3 months of completely unlimited disputes with all three major credit bureaus. We will also investigate any Chex Systems listings, stop any type of creditor harassment, and do validation demands for any debts that come back falsely verified. All in all, this package is worth over $650! There will be absolutely no payment options available for this service, and if you are interested in payment plans, we are still offering our monthly payment plans as well, which is located on our services page at http://www.kenyoncreditservices.com/services.php.

If you have been quoted the $250 price quote- never fear! From now until August 1st, you can still lock in this great low rate of $250 for all three credit bureaus, Chex Systems disputes, stopping creditor harassment and debt validation for three months of unlimited items. We will gladly honor any of those quotes that you received from any of our staff. Please note that you have read our blog to qualify for that discounted price.

Kenyon Credit Services welcomes Joseph Kane

We are very pleased and excited to announce our new employee Joseph Kane!

Joe comes to us from Arizona and a great background in the mortgage industry. He has a strong interest and desire to help people with their credit reports and has great knowledge when it comes to credit and credit repair.

We are very excited to welcome him to the team in the position of Customer Service Representative, and we know that he is going to do a great job!

Kenyon Credit Services-Privacy Matters to us!

Dear Friends and Loyal Customers,

It recently has come to our attention that there has been a fraudulent and very libelous complaint made against Kenyon Credit Services and the way that we handle business. It has falsely been suggested that we have misused people’s private information and have called and implied that people are stupid.

Nothing could be further from the truth.

Kenyon Credit Services is very closely monitored by government agencies such as the FTC, local police, and others. Had a complaint been made that was legitimate about the misuse of a cutomers information, we would have been investigated, and had been shut down during the investigation. The misuse of someone’s private information is not something that we take lightly, nor have we ever been involved with misuing someone’s private information for ill gain.

Aside from that, we would never, at any time call or make someone feel “stupid.” The claim against was made by someone who has never had business dealings with Kenyon Credit Services, and was upset over a personal issue with myself, the owner, that had absolutely nothing to do with my business. As president of the company, I go out of my way to make my customers feel like friends and family. People would never choose to do business with us if they did not like us. However, when people read false and libelous statements about us, they may also choose to head in the opposite direction as well.

Please rest assured that Kenyon Credit Services takes your private information very seriously. It is kept under secure firewalls, and is locked up, and shredded when we are finished with it. Never at any time would we ever consider misuing someone’s good name or their identity.

We welcome any questions, and any thoughts that you may have. And as always, we welcome you to visit our website at http://www.kenyoncreditservices.com to learn more about us and what we can do for you.

Sincerely,
Amelia Kenyon
President
Kenyon Credit Services

Kenyon Credit Services has partnered with Currency Connection

Kenyon Credit Services is very excited to announce that we have partnered with Currency Connection!

This program allows those who have trouble opening a checking account/credit card account with a direct deposit option, as well as a Visa/Mastercard Debt card!

If you are listed on Chex Systems, have no credit to your name, can’t get a debt card through your bank, KCS can help you with this!

More information to follow as we progress with this new partnership!

What can KCS do that I can’t?

Lately, a lot of people have been asking what can we do for them that they can’t do themselves. The answer is nothing! However, the answer is also much more complicated than that!

Kenyon Credit Services has had many many long hours and years of training when it comes to credit reports. Every single credit report is completely different from the next. No two credit reports are the same: even spouse’s who have the same information on their reports. The information is often completely different.

The hardest part about credit repair, is not knowing who, how, why, or what to look for. So many people have come to us saying “I disputed this and it never came off” and what they don’t know is that they disputed the information wrong, or they didn’t even dispute what they thought they had.

That’s where we come in. Credit repair is a passion for this company. Not only do they enjoy the fight against the bad guys (the credit repair agencies!) but they also enjoy showing and teaching people what to look for, and how to get back on their feet once their credit is clean.

Some examples of just how difficult credit repair can be:

You dispute an account as “not mine” without giving any backup or rhyme and reason why. The account comes back as verified, and you don’t understand why.

You have disputed an account as obsolete. It comes back not only with new information, but a new date, putting the account information as recent!

You look at your credit reports and feel overwhelmed because there is so much information and put it aside for “later.” Later comes when you are ready to buy a house, and can’t because your credit has fallen to the wayside.

Someone has gotten credit in your name before you were even 18 years old. You don’t know what to do or where to turn to. You’re ready to go to college, but can’t because your identity is being used by someone else!

Creditors are calling you from sunup until sundown about a debt that you don’t even owe. You want them to stop once and for all and tell them so, but they just laugh at you and continue to call.

Kenyon Credit Services can help with this! We have spent a lot of time, effort, and money learning what works, what doesn’t, attending seminars, joining message boards and the like. Your bad credit doesn’t have to stay that way forever. People make mistakes. We want to help fix those mistakes and send you on your way to a great credit report!

Visit us on the web to learn more at http://www.kenyoncreditservices.com