When you get out of debt, your credit rating may still reflect your former financial hardship. After you achieve a settlement with us, we recommend that you get a copy of your credit rating. There may be issues that can be remedied.

Believe it or not, a credit report can sometimes have mistakes and irregularities. These can adversely affect your credit rating just as much as unpaid debts. It's important to go through your credit report to determine that there are no irregularities. If there are problems, you can make a formal dispute and clear up any incorrect statements. This can positively affect your rating.

The ultimate way to ensure a good credit rating is to pay your bills in a timely manner. We know that this isn't always possible. Debts build up quickly and you can't pay what you don't have. Part of our job is to negotiate a new debt payment plan, but we can also help ensure that certain information will not go towards your credit rating.

In a negotiation, it is possible that the creditor will agree not to put late payments on a credit report. However, it is important to begin a negotiation as soon as you fear there will be a late payment. The longer you wait, the more your credit rating will suffer. DTS doesn't want to see this happen. Our purpose is to give you a strong foundation for the future. Contact us before things spiral out of control, and let us work towards a solution that will benefit you, first and foremost.