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Credit Repair

Credit Repair – Phoenix (AZ)

Credit Repair Phoenix AZ

Free Credit Scores!

Are you hoping to purchase a house? Lease a car or truck? Credit repair is essential.

We’re the very best when it comes to credit repair in Phoenix, AZ.

  1. You request a zero cost credit analysis.
  2. A trained credit repair specialist evaluates your credit report for inaccuracies that are harming your credit score.
  3. They dispute inaccurate items with the credit bureaus.
  4. Your credit repair consultant helps you raise your credit score in various other ways.

Were you aware that 971,694 consumers in Phoenix have errors on their credit histories? That’s 8 out of every 10 people.

Commonplace credit report mistakes can include:

  • Past due payments or any other negative listings that aren’t your own.
  • Wrong credit limits.
  • Entries stated as settled, paid charge-off or anything besides current if you paid promptly and in its entirety.
  • Accounts recorded as outstanding that were part of a bankruptcy.
  • Adverse entries older than 84 months which should have been removed from your report by now.

Phoenix Credit Repair

Your Credit Reporting Rights

Since 1978, borrowers have been safeguarded by the Fair Debt Collection Practices Act (FDCPA), which not only protects you from predatory debt collectors, but also grants you liberties which you’ll find critical when it comes to credit repair.

Are debt collectors hassling you? In that case, you need to explore debt validation. This involves verifying the legitimacy of any debt you owe. The debt collector should furnish specific documentation:

  • Evidence that it has bought your debt.
  • Original contract.

Failing to supply these records in a timely manner could result in loss of the right to collect the debt. Additionally, the collector is typically required to get the debt deleted from your credit history.

Credit Reports in Phoenix

You will find lots of websites that would like to charge you for credit monitoring. But what if you just want your credit report? Well once a year Phoenix residents, just like all Americans, can obtain a copy of each credit report for free. Here is the site: www.annualcreditreport.com.

The credit files from this website will include your:

  • Debt Amounts
  • Credit Accounts
  • Payment History

Keep in mind that this credit report doesn’t give you your credit ratings, which can be underwhelming. That said, if you talk to a credit expert through our site, they will not only analyze your credit report, but also they will tell you your credit ratings at the same time. Best of all, it’s free of charge!

Repair Credit in Phoenix AZ

Credit Facts: Phoenix

Check out the following Phoenix credit statistics:

  • Credit Rating: 733
  • Credit Rating Ranking: 101st
  • Debt Per Capita: $24,952
  • Credit Utilization: 68.67%
  • Past due Payments: 0.52

Debt Consolidation vs Credit Repair in Phoenix?

In addition to below-average credit, do you have $10,000 of debt? Consolidating your debt may just be the way to go.

Credit counseling is usually a solid alternative for men and women in Phoenix with subprime credit ratings, as no loan is needed to participate in such a program.

Credit Restoration Businesses in Phoenix (AZ)

Below is a list of Phoenix credit repair companies:

  • Alliance Credit Counseling Inc, 4245 E McDowell Rd, 85008
  • American Family Credit, 2432 W Peoria Ave, 85029
  • Cccs-Consumer Credit Counseling Services, 2619 N 31st Ave, 85009
  • First Arizona Credit Services Inc, 4408 N 12th St, 85014
  • Hope Credit Law, 1811 N Tatum Blvd, 85054
  • National Credit Repair, 4545 N 67th Ave, 85033
  • Preferred Credit Management Inc, 3443 N Central Ave, 85012
  • Credit Report Advocates Of Arizona, 5039 N 19th Ave, #2, 85015
  • Consumer Credit Counseling, 40 N Central Ave, 85004
  • Credit and Debt Free Solutions, 15255 N 40th St, #115, 85032
  • A American Credit and Debt Counseling Service, 1820 W Van Buren St, 85007
  • Credit Card Consolidation, Debt Consolidation AZ, 10429 S 51st St, 85044
  • Credit Repair Professional, 1334 E Chandler Blvd, #5f, 85048

Phoenix Debt Collector Harassment

Despite the FDCPA, many collectors routinely set about harassing borrowers and engage in criminal collections tactics. Debt collectors cannot:

  • Call you without identifying themselves.
  • Threaten harm against your family or close friends.
  • Make threats to harm your reputation.
  • Make you fork out more than your debts.
  • Contact you over and over with payment demands.
  • Call you between the hours of 9:00 pm to 8:00 am.
  • Use foul language when talking about the debt.
  • Put your name on a late borrowers list

To read more, have a look at: FDCPA.

Debt Collection Agencies – Phoenix (AZ)

Listed below are some of the major collectors in your area:

  • A. R. Systems, Inc., 5151 N 16th St Ste E-126, 85016-3908
  • Allied International Credit Corp., (US), 2101 W Peoria Ave Ste 120, 85029-4933
  • American Commercial Credit Services, Inc., 2502 W Highland Ave Ste 101, 85017-3754
  • AP Financial Services, PO Box 31670, 85046-1670
  • Arrowhead Collections, Inc., 4150 W Peoria Ave Ste 222, 85029-3956
  • Arrowhead Surety & Insurance Services, LLC, 4150 W. Peoria Ave., Suite 117, 85029
  • ARS National Services, Inc., 3110 N Central Ave Ste 170, 85012-2673
  • Associated Collection Service, 4231 N 11th St, 85014-4429
  • Associated Creditors Exchange, Inc., 3443 N Central Ave Ste 1100, 85012-2223
  • Audited Financial Management Resolvement, Inc., PO Box 895, 85001-0895
  • Bureau of Medical Economics, 326 E Coronado Rd Ste 203, 85004-1524
  • Canyon State Professional Services, Inc., 2255 W Northern Ave Ste B115, 85021-4949
  • Cavalry Portfolio Services, LLC, 4050 E Cotton Center Blvd Ste 20, 85040-8862
  • Child Support Network, Inc., 212 E Osborn Rd Ste 210, 85012-2370
  • Collectcorp Corporation, 400 E Van Buren St Ste 900, 85004-2259
  • Collections USA, Inc., 20813 N 19th Ave Ste 1, 85027-3520
  • Constar Financial Services, LLC, 3561 W Bell Rd, 85053-2965
  • Corporate Receivables, Inc., 3003 N Central Ave Ste 320, 85012-2902
  • DSO Solutions, Inc., 2828 N. Central #755, 85004
  • Dunstone Financial, LLC, 11801 N Tatum Blvd Ste 101, 85028-1612
  • First Financial Asset Management, 2800 N 44th St Ste 310, 85008
  • G C Services Limited Partnership, 10040 N. 25th Ave., Suite 200, 85021-1648
  • Healthcare Collections, LLC, P.O. Box 82910, 85071
  • Innovative Debt Recovery, Inc., 49 E Thomas Rd Ste 213, 85012-3105
  • J.R. Brothers Financial, Inc., 10000 N 31st Ave Ste D200, 85051-9570
  • JMBS, 444 E. Southern, 85040-3086
  • Kenneth, Eisen & Associates LTD, 4800 N Central Ave Ste 106, 85012-1722
  • Merchants Credit Guide Company, 3137 E Elwood St Ste 170, 85034-8200
  • Merchants Recovery Solutions, Inc., 711 N 1st St, 85004-2011
  • MFG Financial, Inc., 4520 E. Indian School Rd., #6, 85018
  • Nationwide Credit, Inc., 3600 E University Dr Ste B1350, 85034-7296
  • NCC Business Services, 10410 N. 31st Ave., Suite 403, 85029
  • Nemo’s Investigations & Collections, 14631 N Cave Creek Rd Ste 201, 85022
  • Personal Collectors of Arizona, Inc., 2702 E South Fork Dr, 85048-8978
  • Phoenix Management Solutions, LLC, 10000 N 31st Ave Ste C301, 85051-9569
  • Primary Financial Services, L.L.C., 3115 N 3rd Ave Ste 112, 85013-4387
  • Rapid Collection Systems, Inc., 4235 N 7th Ave, 85013-3068
  • Real Property Business Services, 4215 W. Dunlap Ave., Suite 1, 85051
  • Regency Credit L.L.C., 4246 E Wood St Ste 500, 85040-0914
  • RSI Enterprises, Inc., 3838 N Central Avenue Ste 1700, 85012
  • State Collection Service, Inc., 1717 W. Northern Ave #15, 85021
  • TPC Enterprises, Inc, 8433 N Black Canyon Hwy Ste 158, 85021-4859
  • U.S. Collections West, Inc., 3031 W Northern Ave Ste 171, 85051-6658
  • U.S. Recoveries Worldwide, 112 N Central Ave Ste A5, 85004-2321
  • Vericheck, Inc., 7250 N 16th St Ste 316, 85020-5279
  • Viking Collection Service Southwest, Inc., 2075 W Pinnacle Peak Rd Ste 110, 85027-1219

Phoenix Credit Repair