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Credit Repair

Colorado Credit Repair (CO)

Do you need to clean up your credit and improve your credit rating? We are experts when it comes to credit repair for Colorado residents.

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  1. You sign up for a credit consultation.
  2. A trained credit repair professional analyzes your credit profile for inaccuracies that may be harming your credit score.
  3. They dispute invalid items with the credit bureaus.
  4. Your credit repair company helps you increase your credit scores in other ways, which may include credit counseling, budgeting, and building new lines of credit.

Did you know that 4,023,357 people in Colorado are thought to have inaccuracies on their credit reports? That’s about 8 out of 10 people.

Listed below are a few types of credit report mistakes:

  • Adverse items that are not your own.
  • Incorrectly low credit limits.
  • Balances stated as anything apart from current if you repaid the debt as agreed.
  • Balances displayed as unsettled that were associated with a bankruptcy case.
  • Bad listings older than 84 months that should have disappeared from your report.

The Fair Credit Reporting Act

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In accordance with the FCRA (Fair Credit Reporting Act), credit bureaus must alter or erase entries on your credit profile that are wrong, not complete, or unverifiable.

As you can imagine, this is integral to credit repair, as it provides you the right to have your credit report up-to-date.

Are collectors hounding you at every turn? If so, you’ll want to learn about debt verification. This involves challenging the legitimacy of a debt you owe. If the debt collector does not provide the requested documentation, they can no longer collect it and must clear the debt from your credit report.

Credit Reports For Colorado Residents

If you’d like to go ahead and pull your credit report yourself, you can do so for free through www.annualcreditreport.com, but you can only do this annually.

If you’re required to supply a credit card, don’t – you’re not in the right place.

Your credit score won’t be included in these no cost reports, but if you email or call one of our Colorado credit repair specialists, your credit evaluation will come with your credit score – absolutely free!

Colorado Credit Data

You are not alone when it comes to credit repair. Colorado residents have average credit ratings of 674, yet more than 1 in 5 Colorado residents have unfavorable credit ratings. On average, debt per capita is $1,068.

Restoring Your Credit Scores in CO

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There are several ways to boost your score.

Here are a few of the most prominent ways to improve your credit score:

  • No late payments
  • Minimal usage of credit (30%)
  • Few opened or closed credit accounts

Credit Repair or Debt Settlement in CO?

When you need to enhance your credit rating, debt settlement isn’t a solid approach. Credit repair is. They are completely different options. Credit repair is for challenging the validity of selected things on your credit history, like unpaid debts. Debt settlement involves negotiating a reduction in your debts.

Debt settlement works best for people who are trying to repay their debts, not improve their credit rating.

Selecting The Right Credit Repair Company in CO

Here’s a number of ways to recognize a sketchy credit repair corporation in Colorado:

  • They want you to get a totally new credit file.
  • They guarantee to delete adverse things from your credit report.
  • They demand that you pay them in advance.

These tactics aren’t permissable according to the Credit Repair Organizations Act.

Credit Repair in Your Area