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Credit Repair

Credit Repair – Miami (FL)

Do you want to repair your credit and increase your credit ratings? The advantages of improving your credit rating can be major. They may include:

  • Increased Likelihood of Loan Approval
  • Lowered APR’s
  • Cheaper Car Insurance Premiums
  • More Attractive Work Opportunities

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Do-it-yourself credit repair is a real headache. Here at Credit Repair Zoom, we match you up with honest Miami credit repair professionals who can:

  • Scrutinize your credit reports for inaccuracies.
  • File disputes with the credit reporting agencies.
  • Provide Miami debt management services.
  • Enable you to meet lender guidelines for vehicle and home loans.

The Fair Credit Reporting Act

The Fair Credit Reporting Act, established in 1970, requires credit bureaus to update or erase listings on your credit history that are

  • Mistaken
  • Not complete
  • Unverifiable

Without the FCRA, the credit bureaus might not have to revise your credit profile.

Expert Strategies: Debt Validation

Your Miami credit repair company will also help you to validate your debts. This involves contesting the legitimacy of any debt you owe. The collections agency should produce specific documentation:

  • Proof that it owns the debt.
  • Original contract.
  • Your payment records.

Failure to supply these records promptly could result in loss of the right to collect the debt. Furthermore, the collector may be required to have the debt removed from your credit profile.

Pay For Delete Letters in Miami

In the past, pay for delete agreements were prevalent in Miami and across the country. PFD means that you can settle with a debt collector and for your efforts they erase the adverse item from your credit file.

Needless to say, PFD leads to inaccurately clear credit records, so the credit agencies look down upon these deals and even punish debt collectors who take part in it. It’s far better to explore pay for delete with a credit repair professional in Miami. Despite the credit agencies, lots of debt collectors will work with you; however, they have to be approached in the correct fashion.

Miami Credit Stats

Consider these Miami credit figures:

  • Credit Rating: 719
  • Credit Score Rank: 122nd
  • Debt Per Person: $24,030
  • Utilization of Credit: 66.51%
  • Past due Payments: 0.58
Raise Credit Scores Miami FL

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There are a great many other ways to increase your credit score. To begin with, it’s good to limit your credit card usage, which means making an effort to expend not more than 30% of your borrowing limit. The second thing is, make sure that you make all of your payments on time. Do not close any credit cards. Lastly, it’s best not to apply for several new credit lines simultaneously.

Debt Consolidation for Miami Residents

Debt Consolidation Companies Miami FL

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Many people in Miami who have poor credit have sizeable credit card debt to boot. Obtaining a debt consolidation loan has become a popular option.

For Miami residents with bad credit, credit counseling might be a better solution. Often you can get the same perks as debt consolidation with no financing needed.

Credit Repair and Counseling Companies in Miami, FL

  • B &a Credit Repair Express, 14916 SW 34th St, 33185
  • Beacon Credit Repair Inc, 9075 SW 87th Ave, 33176
  • Credit Cleaners, 13500 SW 88th St, 33186
  • Credit Restoration LC, 9240 SW 72nd St, #205, 33173
  • I 1 Credit Counselors, 10511 SW 88th St, 33176
  • R1 Credit Consultants, 9010 SW 137th Ave, 33186
  • R1 Credit Corporation, 11348 SW 184th St, 33157
  • R1 Credit Corporation, 13825 SW 88th St, 33186
  • Consumer Credit Counseling, 10800 Biscayne Blvd, 33161
  • Credit Repair Consultants, 1700 Red Rd, #210, 33155
  • Credit-cpr Corp, 6355 NW 36th St, #609, 33166
  • Credit-CPR- corp., 6355 NW 36th Ave, #St-609, 33147
  • United Credit Solutions- Inc., 1131 NE 163rd St, 33162
  • A Credit Experts and Debt Negotiators, 244 NW 183rd St, 33169
  • Consumer Credit Counseling, , 33160
  • Credit Repair Solution Services, 2140 W Flagler St, #101, 33135
  • CREDIT REPAIR MIAMI, , 33280
  • Consumer Credit Counseling, , 33280
  • Hampton, Richard Consultant – Swift Credit Solutions, 6455 Bird Rd, 33155
  • Resolutions Made Easy Credit Repair, 13701 N Kendall Dr, #202, 33186
  • Debt Consolidation-Consumer Credit Counseling Miami, 8478 NW 33rd St, 33122
  • Credit Restoration & Elimination, 13701 N Kendall Dr, 33186
  • Consumer Credit Counseling, 8300 W Flagler St, 33144
  • Consumer Credit Counseling Service, Perrine New Testament Church of God, 10190 SW 168th St, 33157

Miami Collector Harassment

There are specific practices that are prohibited by the Fair Debt Collection Practices Act (FDCPA).

Collection agencies in Miami and across the US must:

  • Only contact you between 8:00 am and 9:00 pm.
  • Say who they are when calling you.
  • Under no circumstances threaten you with physical harm or destruction of your good name.
  • Not say they’re going to file suit against you or have you arrested.

These are just a handful of the guidelines established by the Fair Debt Collection Practices Act.

To learn more, please click: FDCPA.

  • Bayview Loan Servicing, 4425 Ponce De Leon Blvd, 33146-1837
  • BCA Financial Services, Inc., 5805 NW 11th St Ste 220, 33126-2063
  • Credit Counsel Inc., 1400 NE Miami Gardens Dr Ste 216, 33179-4844
  • Encircle Collections, Inc., 1691 NW 107th Ave, 1 Insta Check Plz., 33172-2707
  • International Multilingual Collection Corp, 169 E Flagler St Ste 1534, 33131-1207
  • Kendall Credit and Business Service, Inc., 8500 SW 117th Rd Fl 5, Bell South Bldg, 33183-4841
  • Omni Credit Services of Southeastern Florida, Inc., 4300 Biscayne Blvd Ste 302B, 33137-3255
  • Sprechman & Associates. P.A., 2775 NE 163rd St Ste 100, 33160-4007

Miami Credit Repair