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Credit Repair

Credit Repair – Tampa (FL)

Credit Repair Tampa FL

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As a resident of Tampa, you are probably aware that securing car and home loans has become more difficult than ever, particularly when you have bad credit. We specialize in credit repair for Tampa residents.

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Repairing your credit yourself is a real headache. Here at Credit Repair Zoom, we connect you with trusted Tampa credit repair pros that are standing by to manage the complete process end to end. They are able to detect credit mistakes that most people may forget about. They can have these inaccuracies expunged by the credit reporting agencies. Should you be in the market for an automobile or mortgage loan, many credit repair agencies will even put together a lawyer’s recommendation letter for your finance company!

Well-known credit report problems are:

  • Missed payments or any other negative entries that aren’t your own.
  • Inaccurate credit limits.
  • Entries registered as anything apart from current if you paid by the due date and in full.
  • Accounts reported as past due that were involved in a bankruptcy case.
  • Unfavorable items older than 7 years which should have vanished from your report.

Your Credit Reporting Rights

Established in 1978, the Fair Debt Collection Practices Act (FDCPA), along with regulating debt collectors, gives you specific privileges which are essential for repairing your credit.

Debt validation is an effective means of battling fraudulent collectors in Tampa.

Debt validation, also called debt verification, is how you figure out whether a debt collector really has bought or been assigned your debt. The Fair Debt Collection Practices Act gives you this authority.

If the collector fails to authenticate the debt, they can no longer collect it and must get the balance deleted from your credit profile.

Pay For Delete Letters in Tampa

Pay for delete is not as widespread as it was formerly, but these contracts continue to happen. First off, always make sure that you have the arrangement in some recoverable format, as there are debt collectors that will refuse to honor the arrangement after the money has been paid. Secondly, keep all communication. As a final point, take care not to offer more money than you have.

Credit Data: Tampa

Did you know that on average the credit rating in Tampa is 740? What this means is Tampa ranks 92nd among American cities with respect to credit scores. The debt per capita is $25,376. That’s $834 more than the national average. The typical Tampa inhabitant has 1.75 active credit cards and 0.6 overdue payments. Tampa inhabitants have 71.2% of their credit available for use.

Debt Settlement or Credit Repair in Tampa?

Quite a few people mix up debt settlement with credit repair in Tampa.

Tampa credit repair organizations make an effort to have certain listings expunged from your credit file, for example delinquent debts, that are erroneous. Alternately, debt settlement pertains to valid debts that you’d like reduced.

Debt settlement is for men and women that need to get rid of credit card debt, not turbocharge their credit ratings.

Credit Repair and Counseling Agencies in Tampa (FL)

  • 1st Credit Consulting, 13918 N Boulevard, 33613
  • Beacon Credit Repair, 3550 Buschwood Park Dr, 33618
  • Beacon Credit Repair & Services, 10012 N Dale Mabry Hwy, 33618
  • Credit Repair Inc, 12309 Witheridge Dr, 33624
  • Credit Clean, 532 Bridle Path Ln, 33634

Tampa Collection Agency Harassment

Unfortunately, many collectors repeatedly threaten people and engage in illicit debt collection techniques. Collectors aren’t allowed to:

  • Threaten to file a suit against you.
  • Wage garnishment.
  • Have you terminated from your place of employment.
  • Take your possessions.

To read more, visit: FDCPA.

  • Bell Corporation of America, 1411 N Westshore Blvd, Suite 108, 33607-4515
  • Caine & Weiner South, LLC, 3550 Buschwood Park Drive Ste 195, 33618
  • CheckCare Systems Tampa, 6401 Badger Dr Ste 300, 33610-2020
  • Focus Receivables Management LLC (Tampa, FL), 8306 Laurel Fair Cir Ste 200, 33610-7344
  • Greenberg, Grant & Richards, Inc., 2701 N Rocky Point Dr Ste 520, 33607-5934
  • Hunter Warfield, Inc., 3111 W Dr Martin Luther King Jr Blvd Fl, 2nd Flr, 33607-6235
  • Ideal Collection Services, Inc., 5223 Ehrlich Rd Ste A, 33624-2053
  • LDG Financial Services, Inc., 4465 West Gandy Blvd, Suite 300, 33611
  • Lee Alan Reed & Associates, Inc., 1718 East Giddens Ave, 33610
  • MAC Adjustment Inc., PO Box 271648, 33688-1648
  • MAF Collection Services, 134 S Tampa St, 33602-5354
  • Murphy-Martin Recovery Inc., 306 E Tyler St, #400, 33602-3840
  • National Capital Acceptance Corporation, 6531 La Mesa Circle, 33634
  • Omni Credit Services, 4710 Eisenhower Blvd Ste B3, 33634-6300
  • Pathfinder Credit Services Inc., 4465 West Gandy Blvd, Suite 810, 33611
  • Preferred Collection and Management Services, Inc., 1 Davis Blvd Ste 703, 33606-3480
  • The Athena Funding Group, Inc., 5035 E Busch Blvd Ste 5, 33617-5310

Repair Credit in Tampa FL