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Credit Repair

Credit Repair – Tucson (AZ)

Credit Repair Tucson AZ

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Have you considered credit repair? Tucson consumers are increasingly coming to us to help them boost their credit ratings. Just don’t be satisfied with do-it-yourself credit repair. Let a specialist take care of your credit disputes.

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Using a Credit Repair Company in Tucson

Here at Credit Repair Zoom, we assist you in finding honest specialists that are ready to begin improving your credit rating:

  • Identifying Mistakes
  • Managing Disputes
  • Applying for New Lines of Credit

Are you aware that 631,794 folks in Tucson are thought to have inaccuracies on their credit reports? That’s 4 out of every 5 people.

Well-known credit report errors are:

  • Past due payments, collections or any other negative items that are not yours.
  • Credit limits noted as lower than they actually are.
  • Debts registered as settled, paid derogatory, paid charge-off or anything aside from paid as agreed if you paid punctually and in its entirety.
  • Balances displayed as past due that were associated with a bankruptcy filing.
  • Bad entries older than 84 months which should have been taken off your report already.

Tucson Credit Repair

Credit Repair Companies Tucson AZ

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According to the FCRA (Fair Credit Reporting Act), credit bureaus must alter or remove details on your credit history that are

  • Mistaken
  • Out of date
  • Unable to be verified

Without the FCRA, the credit bureaus would never have to modify your credit history.

Let’s consider another central aspect of credit repair: debt validation. This is exceptionally valuable when there are unfamiliar collections entries in your credit profile.

Being a consumer, you have the ability to question the legality of any debt that’s gone to collections. The debt collector must furnish specific proof, for instance:

  • Evidence that it owns your debt.
  • Evidence that you owe the debt.
  • Your payment background.

Failing to present you with this information on time could result in loss of the ability to collect the debt. Additionally, the collector might be required to have the debt taken off from your credit history.

Credit Reports in Tucson

Did you know that you can view your credit report for free each year? The site is www.annualcreditreport.com. If the site requires you to provide payment for this, you’re not in the right place.

Remember that this will not show you your credit ratings. But if you contact one of our Tucson credit repair specialists, they won’t just review your credit file – they will also tell you your credit ratings too – for free!

Credit Stats: Tucson

Consider the following Tucson credit statistics:

  • Credit Rating: 748
  • Credit Score Ranking: 74th
  • Debt Per Capita: $24,112
  • Credit Utilization: 70.58%
  • Late Payments: 0.45

Debt Consolidation vs Credit Repair in Tucson?

Debt Consolidation in Tucson AZ

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Repairing your credit is a relatively straightforward way to boost your credit scores, but it doesn’t help with your debt.

Consolidating your debt could possibly be your answer.

Allow me to share the advantages:

  • Far fewer overlooked payments.
  • Rate of interest for loan should be cheaper than credit cards.
  • Higher credit scores over time.
  • Overdue fee deterrence.

For Tucson residents with bad credit, credit counseling might be a more sensible choice. It’s possible to get the exact same perks as debt consolidation with no loan needed.

Identifying Credit Repair Ripoffs in Tucson

People with a low credit score sometimes feel hopeless, and you will find usually a dishonest company willing to cash in.

Fortunately, there happens to be legislation to protect people who have adverse credit in Tucson and throughout the country. Specifically, it’s called the Credit Repair Organizations Act. It forbids credit repair organizations from charging in advance, putting together fake credit histories, guaranteeing overstated results, and other underhanded practices.

Credit Repair and Counseling Businesses: Tucson, AZ

Check out this list of Tucson credit repair specialists.

  • A Credit Counseling & Debt Help Center, 3855 N Oracle Rd, 85705
  • Cccs-Consumer Credit Counseling Services, 4732 N Oracle Rd, 85705
  • Cccs-Consumer Credit Counseling Services, 5515 E Grant Rd, 85712
  • Family Life Credit Services, 40 N Swan Rd, #114, 85711
  • Visual Credit Counseling Inc, 336 E Fort Lowell Rd, 85705

Listed here are several of the top collection agencies in your area:

  • Bass & Associates, 3936 E Ft Lowell Road Suite 200, 85712-1083
  • Cash Flow Systems, 6700 N Oracle Rd Ste 502, 85704-7735
  • General Business Recoveries Inc., 1100 E Broadway Blvd, 85719-5846
  • Greenspan & Douglas, Inc., 2921 E Fort Lowell Rd Ste 113, 85716-1555
  • International Collection Systems, Inc., 2761 N Country Club Rd Ste 100, 85716-2271
  • Omnium WordWide, Inc., 7820 E Broadway Blvd Ste 200, Centre East 2nd Floor, 85710-3939
  • Professional Collection Service, Inc., 350 S Williams Blvd Ste 250, 85711-7474
  • Sentinel Recovery Services, Inc., 7493 N Oracle Rd Ste 201, 85704-6366
  • Stuart Allan & Associates, Inc., 5447 E 5th St, Suite 110, 85711-2344
  • Surety Acceptance Corporation, 6440 E Broadway Blvd, 85710-3504