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Lorin’s Philosophy


  1. The kind that encourage you NOT to pay past due debts.
  2. The kind that REQUIRES you to pay past due debts.

Lorin’s philosophy
This is the latter. Lorin requires customers to have the desire and ability to settle debts. This includes unpaid collections, charge offs, judgments & tax liens. Why? No matter how high your scores, when past due debts are reporting, you can still be denied important loans (like a mortgage). Furthermore, you can be sued and/or garnished for these debts! That means credit repair is never complete until all past due debts have been resolved. Therefore, Lorin’s philosophy is that debts need to be resolved during this program. Of course, past due debts do not apply to every customer. Also, there can be extenuating circumstances (like ID theft or debt older than 7 years) where Lorin will not require debts be settled.

Who do some credit repair companies encourage you not to pay debts?
To lure you in. To keep you in. Because the sooner your debts are resolved, the sooner you’re done with credit repair.