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Credit Repair

Credit Repair – Colorado Springs (CO)

Bad credit can stop you from financing a car, buying a house, even finding a job. On the plus side, Credit Repair Zoom can help you repair your credit report and raise your ratings.

We are the absolute best when it comes to credit repair in Colorado Springs, CO.

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Finding a Credit Repair Agency in Colorado Springs

Credit Repair Colorado Springs CO

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What you need is a professional solution to credit repair in Colorado Springs, CO. At Credit Repair Zoom, we work with trusted Colorado Springs credit repair specialists that are standing by to:

  • Check your credit reports for inaccuracies and fraud.
  • Register disputes with the credit agencies.
  • Deliver or recommend Colorado Springs debt relief services.
  • Assist you to satisfy bank guidelines for vehicle and mortgage loans.

Your FDCPA Rights

Since 1978, consumers have been protected by the FDCPA (Fair Debt Collection Practices Act), which not only shields you from unethical debt collection practices, but also gives you liberties that are critical when it comes to credit repair.

Another main principle of credit repair concerns debt validation, which is especially useful if you find unforeseen collection listings on your credit history. This is how you ascertain whether a collections agency really has the right to collect on a debt. The Fair Debt Collection Practices Act grants you this legal right. The collector should provide specific documentation, for example:

  • Proof that it has been assigned your debt.
  • Verification that you owe the debt.
  • Your payment background.

Failing to provide you with this information on time could result in loss in the right to collect the debt. In addition, the collections agency may be obligated to get the debt deleted from your credit file.

Pay For Delete Credit Repair in Colorado Springs

Credit Repair Colorado Springs CO

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Years ago, pay for delete deals were more popular in Colorado Springs and nationwide. PFD enables you to settle with a collection agency and in return they eliminate the unfavorable item from your credit report.

Today, credit bureaus will withhold a collector’s ability to report debts for if they hand out pay for delete agreements. That said, PFD agreements aren’t extinct.

Credit Repair Expectations in Colorado Springs

Most credit repair providers simply charge a fee monthly, typically without any binding commitments, and most trusted providers give you money-back guarantees.

Credit Facts: Colorado Springs

You’re not the only Colorado Springs resident needing credit repair. Colorado Springs residents may have average credit scores of 759, yet more than 1 in 5 of the city’s individuals have below-average credit. The debt per capita is $25,718. That’s $1,176 more than the national average. The typical Colorado Springs resident has 1.84 active credit cards and 0.44 overdue payments. When it comes to credit utilization, Colorado Springs residents have 71.74% of their credit available.

Debt Consolidation or Credit Repair in Colorado Springs?

In addition to bad credit scores, are you struggling with significant debt? Applying for a debt consolidation loan is becoming a solution for people trying to get out of debt.

Nevertheless, you will find down sides:

  • Very good credit often required to get a home equity loan.
  • Potential for home foreclosure, given that overdue home loans are susceptible to foreclosures.
  • Likely less personal shelter if one goes bankrupt.
  • Loan creditors may be sometimes unwilling to approve new credit lines if enrolled in a debt management plan.

Credit counseling often is a great alternative for Colorado Springs residents who’ve got low credit scores. A loan isn’t needed to manage debts through this kind of program.

Credit Repair Agencies: Colorado Springs, CO

  • Consumer Credit Counseling Service, 1233 Lake Plaza Dr, 80906
  • Consumer Credit Counseling Service, 5265 N Academy Blvd, 80918
  • Cornerstone Credit Counselors, 1980 Dominion Way, 80918
  • Community Credit Counselors Inc, 3540 Austin Bluffs Pky, 80918
  • Western Credit Services, 4620 Edison Ave, 80915

Colorado Springs Debt Collector Harassment

The FDCPA governs the activities of collectors in Colorado Springs and nationwide.

Collection agencies should:

  • Contact you only between the hours of 8:00 am and 9:00 pm.
  • Say who they are when they contact you.
  • Not threaten you with physical injury.
  • Not threaten to trash your reputation.
  • Under no circumstances say they’re going to file suit against you or have you arrested.

If they are involved in these kinds of activities, you might need get in touch with an FDCPA law firm in Colorado Springs.

For more information, take a look at: FDCPA.

These are a number of the major debt collectors in the area:

  • AAA Collectors, Inc., 2950 N Academy Blvd Ste 101, 80917-5340
  • Accounts Service of Colorado, Ltd., 1520 N Union Blvd Ste 103, 80909-2840
  • CheckWay, Inc., 4739 N Carefree Cir, 80917-2118
  • Credit Service Company, Inc., 390 Printers Parkway, 80910-3190
  • Credit Systems, Inc., 3617 Betty Dr Ste J, 80917-5909
  • Imperial Credit Systems, Inc. (ICS), 125 N. Parkside Dr., Suite 302, 80909

Colorado Springs Credit Repair