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Credit Repair

Credit Repair – San Diego (CA)

Credit Repair Companies San Diego CA

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If you live in San Diego, CA, you are probably aware that securing any sort of loan is now tougher than it used to be. This is most definitely true for people with unfavorable credit ratings. We can help you find the best credit repair firm in San Diego, no matter if you need credit repair for a car loan, home loan, or just to increase your credit ratings.

Repair Credit San Diego CA

The Basics of Credit Repair in San Diego

  1. You request a zero cost credit analysis.
  2. A credit repair specialist analyzes your credit profile for inaccurate things that could be hurting your credit scores.
  3. They file disputes against incorrect items with the credit reporting agencies.
  4. You work with your San Diego credit repair firm to help improve your credit scores in other ways.

Did you know that 957,863 men and women in San Diego have inaccuracies on their credit files? That’s 4 in every 5 people.

Repairing Credit in San Diego CA

The Need for Debt Validation in San Diego

Have you read about debt validation? This is a formidable weapon against dishonest collection agencies in San Diego.

Debt validation, also referred to as debt verification, is where you determine if a collections agency really has the ability to collect on a debt. The FDCPA (Fair Debt Collection Practices Act) grants you this legal right. If the debt collector doesn’t answer back properly within 4 weeks, they cannot collect it and must clear the collection listing from your credit file.

PFD Credit Repair in San Diego

Another method of having damaging records erased is known as pay for delete (PFD). PFD allows you to settle with a collector and in exchange they eliminate the adverse entry from your credit profile. In today’s market, collectors can lose their debt reporting rights for if they accept PFD agreements. Even so, PFD deals are not defunct.

Credit Repair Expectations in San Diego

Nearly all credit repair providers simply charge you on a per-month basis, typically without any long-term commitments, and a lot of legitimate organizations offer money-back guarantees.

San Diego Credit Stats

Check out these San Diego credit figures:

  • Credit Rating: 753
  • Credit Rating Rank: 61st
  • Debt Per Capita: $23,874
  • Utilization of Credit: 68.63%
  • Overdue Payments: 0.39

Restoring Your Credit Ratings in San Diego

Advanced methods such as debt verification and pay for delete are great for repairing your credit, but there are other ways to improve your scores.

Listed below are several of the most important score savers:

  • Punctual payments
  • Minimal credit utilization (30%)
  • Few opened or closed credit accounts

Credit Counseling in San Diego, CA

Credit Counseling San Diego CA

Free Assessment!

Whenever your credit is in need of repair, you may want to consider talking to a reputable San Diego credit counseling company. San Diego credit counseling specialists will educate you, the client, on ways to manage your money, solve your existing financial problems, and plan for things like your child’s college.

Exactly how much is this going to run you? In most cases $20 or less monthly. Credit counseling organizations receive a percentage of the payments made to your creditors.

Credit Repair and Counseling Agencies in San Diego, CA

Below is a list of San Diego credit repair services:

  • Garden State Consumer Credit Counseling, 2535 Camino Del Rio S, 92108

San Diego Debt Collector Abuses

Despite the FDCPA, many collectors regularly harass people and engage in criminal debt collection techniques.

Debt collectors should:

  • Only phone you between 8:00 am and 9:00 pm.
  • State their name when they call you.
  • Not threaten you with bodily injury.
  • Under no circumstances make threats to damage your reputation.
  • Not threaten to sue you or have you arrested.

To find out more, please visit: FDCPA.

Debt Collection Agencies in San Diego (CA)

  • Absolute Resolutions Corp., 2667 Camino del Rio S Ste 200, 92108-3707
  • Advantage Business Service, Inc., 2655 Camino Del Rio North, Suite 203, 92108
  • AIS Services, LLC, 9320 Chesapeake Dr, 92123-1029
  • AllianceOne, 8755 Aero Drive, 92123
  • AllianceOne Receivables Management, Inc., 4797 Ruffner St, 92111-1519
  • California Business Bureau, Inc., 4542 Ruffner St., Suite 160, 92111-2250
  • California Recovery Bureau, 3435 Camino Del Rio S Ste 307, 92108-3912
  • California Recovery Systems, 6154 Mission Gorge Rd Ste 240, 92120-3417
  • Credit Solutions Corp., 9577 Chesapeake Dr, 92123-1304
  • Fidelity Credit Management, 7290 Navajo Rd Ste 206, 92119
  • G C Services Limited Partnership, 8400 Miramar Rd Ste 250, 92126-6333
  • Kimball, Tirey, and St. John, 1202 Kettner Blvd, 5th Flr, 92101-3353
  • Knox Attorney Service, Inc., 2250 4th Ave, 92101-2124
  • Legal Enforcement Procedures, Inc., 6343 El Cajon Blvd # 170, 92115-2642
  • Maddocks Collection Service, 3636 Camino Del Rio Ste 245, 92108
  • Midland Credit Management, Inc., 8875 Aero Dr Ste 200, 92123-2255
  • Payment Solutions, 4830 Viewridge Ave Ste A, 92123-1694
  • Plaza Associates, 5353 Mission Center Rd Ste 316, 92108-1305
  • Premier Monetary Solutions, 1850 5th Ave Ste 20, 92101-2713
  • Profit Recovery Network (PRN), 1260 Morena Blvd Ste 200, 92110-3850
  • Resort Recovery Solutions, LLC, 1650 Hotel Cir N Ste 125, 92108-2821
  • San Diego Credit Association, 2044 1st Ave Ste 300, 92101-2079
  • The Fallon Agency, Inc., 7343 Ronson Rd Ste J, 92111
  • The Sagres Company, 10350 Science Center Dr Ste 100, 92121-1133
  • Thornton Financial Services, Inc., 9710 Scranton Rd Ste 160, 92121-1744
  • VIP Adjustment Bureau, Inc., 12396 World Trade Dr Ste 318, 92128-3789
  • West Coast Operations, 2667 Camino del Rio S Ste 302, 92108-3778
  • World Trotter Collection Agency, Inc., 3944 30th St, 92104-3005

San Diego Credit Repair