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Credit Repair

Credit Repair – Birmingham (AL)

Credit Repair Companies Birmingham AL

Free Assessment!

Are you aware that most credit reports are marred by errors and inaccuracies, several of which can keep you from getting approved for car loans and mortgages? You don’t have to be satisfied with DIY credit repair when you can have your credit repaired quickly and on a tight budget.

>> Call us to Get Rolling

Here at Credit Repair Zoom, we work with trusted Birmingham credit repair experts who are standing by to provide you with a detailed analysis of your credit. They are able to identify credit problems that a layman would probably overlook. They can ensure these mistakes are cleared by the credit bureaus. If you’re applying for a vehicle or mortgage loan, many credit repair companies will even give you a lawyer’s letter of recommendation for your lender!

Commonplace credit report problems can include:

  • Past due payments, charge-offs, collections and other negative items that are not yours.
  • Mistakenly low credit limits.
  • Debts listed as settled, paid charge-off or anything aside from paid as agreed if you paid on time and in full.
  • Balances recorded as unpaid that were part of a bankruptcy.
  • Unfavorable listings older than 7 years that should have been taken off your report.

Your FCRA Rights

The Fair Credit Reporting Act, established in 1970, requires that credit agencies correct or remove entries on your credit report that are incorrect, out of date, or unverifiable.

What’s more, the Fair Credit Reporting Act limits how long unfavorable entries should be kept on your report. The limit is seven years, with the exception of bankruptcy. Personal bankruptcy can be on your credit history for 10 years.

Debt validation is particularly useful whenever you find surprise collections entries in your credit profile.

Being a debtor, you can dispute the veracity of a debt.

If the debt collector neglects to provide the necessary documentation within one month, they lose the ability to collect it. Better yet, they must not keep the collection listing from your credit file.

Credit Reports in Birmingham

You’ll find a good amount of websites that want to charge you for credit monitoring. But what if you just want your credit report? Well each year you can request a copy of each credit report at zero cost through www.annualcreditreport.com. The credit files from this website will show you your:

  • Debt Amounts
  • Credit Balances
  • Payment Records

Your credit score doesn’t get included with these no cost yearly reports. But if you email or call one of our Birmingham credit repair specialists, they will not only analyze your credit report, but provide you with your credit score at the same time. What’s even better, it’s for free!

Credit Stats: Birmingham

Check out these Birmingham credit facts:

  • Credit Rating: 731
  • Credit Score Ranking: 107th
  • Debt Per Person: $25,218
  • Utilization of Credit: 67.93%
  • Late Payments: 0.52

Debt validation and PFD are good for repairing your credit, but there are other ways to improve your rating.

Here are a few of the essential factors:

  • Timely payments
  • Minimized credit utilization (30%)
  • Only a few opened or closed credit accounts

Debt Consolidation for Birmingham Residents

Are you in at least $10,000 of debt, aside from below-average credit? In Birmingham, debt consolidation is now an answer for people trying to pay the bills.

Here I will discuss some of the benefits:

  • Better way to arrange payments.
  • Smaller rate of interest.
  • Minimized credit card balances equates to far better credit scores.
  • Past due fee prevention.

Folks who have below-average credit in Birmingham should check into credit counseling. You will probably get exactly the same perks as debt consolidation, no loan required.

Avoiding Credit Repair Ripoffs in Birmingham

According to the Credit Repair Organizations Act, often known as the CROA, your Birmingham credit repair organization cannot:

  • Bill you upfront.
  • Guarantee the removal of adverse listings on your credit file.
  • Ask you to set up a brand new credit file.

Credit Counseling and Repair Services in Birmingham (AL)

Listed here are some of the prominent credit repair companies in the area:

  • Consumer Credit Counseling Svc. of Central Alabama, 1401 20th St S, 35205
  • Consumer Credit Counseling, 2806 Ruffner Rd, 35210
  • Consumer Credit Counseling, 5734 Crestwood Blvd, 35212
  • Consumer Credit Counseling, , 35005
  • Consumer Credit Counseling, 2121 14th Ave S, 35205
  • Consumer Credit Counseling, , 35005
  • Consumer Credit Counseling, 1633 Montgomery Hwy, 35216

Debt Collectors in Birmingham (AL)

Below is a list of Birmingham debt collectors.

  • AlaTax, Inc., 3001 2nd Ave S, 35233
  • AmSher Receivables Management, 600 Beacon Pkwy W Ste 300, 35209-3120
  • Nexcheck, LLC, 2416 Green Springs Hwy, 35209-4920

Birmingham Credit Repair