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Credit Repair

Credit Repair – San Francisco (CA)

Credit Repair San Francisco CA

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Are you in the market to buy a home or vehicle? Credit repair is a good idea.

We are the authority with regard to credit repair in San Francisco, CA.

>> Give us a Call for Your Free Evaluation

How Does Credit Repair Work in San Francisco?

Credit Repair San Francisco CA

Free Assessment!

When you request a zero cost evaluation, we connect you with a credit specialist that you can trust. You will need to forward them your tri-bureau credit report. After that your credit repair expert will painstakingly analyze your record for negative inaccuracies and ways to boost your FICO scores, and work to get this stuff taken off your report. They know how to get these listings corrected. The majority of credit repair services in San Francisco, CA, we work with are also able to assist with auto finance and mortgage loan approval.

Do you know that 621,386 folks in San Francisco are believed to have errors on their credit files? That’s 4 out of 5 men and women.

Repair Credit San Francisco CA

Verifying Your Debts in San Francisco

Are collection agencies hassling you? If so, you’ll want to know about debt validation.

This involves questioning the validity of a debt being collected. If the collector does not verify the debt, they lose the ability to collect on it and must have the listing deleted from your credit history.

Credit Scores For San Francisco Residents

Do you pull your credit report free of charge annually? The website is www.annualcreditreport.com. The credit reports from this site will include things like your credit accounts, debts, and payment history.

If you see anything bizarre on your credit report, you may need to have a discussion with a credit repair specialist in San Francisco about what to do.

Repairing Credit San Francisco CA

Credit Stats in San Francisco

You are not the only person needing credit repair. San Francisco residents might have average credit ratings of 781, but more than 1 in 5 San Francisco residents have below-average credit. The average debt per capita is $23,973, which is $569 less than the US average. The average San Francisco inhabitant has 2.02 active credit lines and 0.3 missed payments. When it comes to credit utilization, San Francisco inhabitants are at 72.83% of their credit limit.

Credit Counseling: San Francisco, CA

Credit Counseling San Francisco CA

Free Evaluation!

Some people mix up credit counseling and repair. While credit repair is a means of rapidly increasing your credit, credit counseling is aimed at debt help and budgeting.

Debt management is a crucial part of credit counseling in San Francisco and throughout the country. With debt management in San Francisco, your credit card companies will be asked to freeze the interest you’re paying, and all of your monthly bills will be consolidated into a single sum.

What’s even better: credit counseling does not affect your credit score.

Credit Repair Ripoffs in San Francisco

There have for ages been sketchy credit repair providers desperate to manipulate San Francisco individuals seeking credit repair.

Here I will discuss several indicators of a sketchy credit repair consultant in San Francisco:

  • They have you get a whole new credit identity.
  • They guarantee that they can get negative debts erased from your credit file.
  • They try and charge you upfront.

These activities are not permitted according to the Credit Repair Organizations Act, which was passed in 1996.

Credit Repair and Counseling Businesses in San Francisco, CA

Let’s consider some of the top credit repair companies in San Francisco:

  • Clear Choice Credit, 1388 Sutter St, #808, 94109
  • Business Credit Information, 251 Rhode Island St, #207, 94103
  • Financial Destination Inc Free Credit Repair, 346 Victoria St, 94132

San Francisco Collector Abuses

Do you believe a debt collector in San Francisco has violated your rights?

Debt collectors must:

  • Only call you between the hours of 8:00 am and 9:00 pm.
  • Say who they are when they contact you.
  • Under no circumstances make threats of physical injury or destruction of your name.
  • Under no circumstances say they’re going to file a lawsuit against you.
  • Not tell you they’re going to get you thrown in jail.

To find out more, have a look at: Fair Debt Collection Practices Act.

  • Able Credit Services, Inc., 2740 Van Ness Ave Ste 310, 94109-0217
  • American Agencies of San Francisco, 1533 Pine St, 94109-4611
  • Applied Income Sciences, LLC, 50 California St. Suite 1500, 94111-4612
  • Bridgeport Financial, Inc., 221 Main St Ste 920, 94105-1923
  • J R S, 601 Van Ness Ave Ste E3-407, 94102-3200
  • On-Site Associates, LLC, 300 Montgomery St Ste 500, 94104-1916
  • Provider Recovery Network, 3801 3rd St Ste 250, 94124-1409

San Francisco Credit Repair