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Credit Repair

Arkansas Credit Repair (AR)

While the average credit score in Arkansas is 668, at least 20% of the population is thought to suffer from a credit score below 620. We can put you in contact with an honest credit repair company in Arkansas, no matter if you need to repair your credit for an auto loan, home loan, or the job market.

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What you need is a legitimate solution to credit repair in Arkansas. Here at Credit Repair Zoom, we connect you with highly regarded Arkansas credit repair pros who are ready to:

  • Check your credit profile for inaccuracies and fraudulent activity.
  • File disputes with Transunion, Experian, and/or Equifax.
  • Provide or encourage debt management assistance.
  • Help you meet creditor guidelines for auto or mortgages.

Your FDCPA Rights

Founded in 1978, the FDCPA (Fair Debt Collection Practices Act) not only saves you from unfair debt collection agencies, but also gives you liberties which are vital when it comes to credit repair.

Debt validation is particularly useful if you are being hassled by collectors.

Under the FDCPA, you have the ability to challenge whether a debt is in fact legal. If the collections agency does not provide the requested information, they lose the authority to collect it. Even better, they must get the listing deleted from your credit profile.

Pay For Delete Letters in Arkansas

Credit Repair Programs AR

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The credit reporting agencies want to discourage pay for delete (PFD) contracts, but these agreements continue to take place.

There are some scenarios which will give you a better chance. For credit card debts older than [sol] years, as long as the SOL has expired, they may be willing to settle for a PFD contract.

Sounds fantastic, don’t you think? But don’t forget, certain rules should be adopted. To start, ensure that you have the deal on paper. The second thing is, file away all communication. And finally, be careful not to offer up more cash than you can afford.

Credit Stats: Arkansas

Take a look at these Arkansas credit facts:

  • Credit Rating: 668
  • Credit Report Mistakes: 2,332,734
  • Individuals with Poor Credit: 728,980

Credit Counseling: Arkansas

Have you thought about credit counseling? Credit counseling and repair can both result in better credit ratings.

This kind of plan should have no negative influence on your credit rating, but it may possibly make it harder to obtain mortgage or car loans in Arkansas.

Identifying Credit Repair Ripoffs in AR

As per the CROA (Credit Repair Organizations Act), your Arkansas credit repair firm shouldn’t:

  • Impose a fee in advance.
  • Guarantee the elimination of unfavorable listings on your credit profile.
  • Have you establish a new credit profile.

Credit Repair in Your Part of Arkansas