Duvera Financial
Established in 2001 and located in Carlsbad, California, Duvera Financial is a third party collection agency which uses a variety of techniques in their attempt to collect consumer debt. Duvera Financial is especially known for collecting debt from non-English speaking consumers.
Your credit score may be damaged by the negative reporting of collection agencies. In order to protect the consumer and prevent the frivolous reporting of destructive information by collection agencies, a system of checks and balances has been created that allow the consumer to dispute and potentially remove the marks placed on the consumer credit report by all collection agencies.
I had numerous collections, charge offs, late payments and judgments being reported on my personal credit file that were damaging my credit score and affecting my ability to obtain credit. Deciding it was time to do something about it, I attempted to perform credit repair myself by contacting collection agencies similar to Duvera Financial in an attempt to negotiate some kind of arrangement with them in order to remove the negative information on my credit report. Dealing with all of the collection agencies like Duvera Financial was more time consuming and frustrating than I could have possibly imagined but even worse, none of the collection agencies were willing to work with me and continued to report the damaging information to the credit bureaus. It quickly became apparent that credit repair is not an uncomplicated task to perform.
I needed results and didn't have the patience or hundreds of hours it was going to take so I contacted Credit Restoration Bureau and they immediately began working to repair my credit. They were able to raise my credit score by deleting various types of derogatory items from my consumer credit file such as late payments, collections, charge offs and judgments (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. Each time I received an update from Credit Restoration Bureau, I was delighted to see they were continuing to have a positive effect on my credit score. By the time Credit Restoration Bureau was finished, my scores had all gone up approximately 150 points and I was in the 700s. They had truly given me a fresh start.
Here is one of the update letters I received from the credit bureaus. This one is from Equifax and shows the deletion of a collection account placed on my credit file by a company similar to Duvera Financial.
Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like Duvera Financial. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes to include: late payments, collections, charge offs, bankruptcies, tax liens, civil liens, foreclosures, repossessions and more.