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Credit Repair

Georgia Credit Repair (GA)

If you live in Georgia, you probably know that getting home and vehicle loans has become more difficult than it ever was before. This is most definitely the case for people with less-than-perfect credit. Repairing your credit is fast, easy, and economical – if you work with Credit Repair Zoom.

Repairing Credit GA

At Credit Repair Zoom, we connect you with reputable Georgia credit repair experts that are ready to begin restoring your credit:

  • Discovering Inaccuracies
  • Submitting Disputes
  • Applying for New Lines of Credit

Out of the 9,687,653 inhabitants of Georgia, 80% have mistakes on their credit report. This is 7,750,122 men and women!

Here are a few types of issues that credit repair professionals find:

  • Missed payments, collections or some other negative entries that are not yours.
  • Credit limits cited as less than they actually are.
  • Entries listed as settled, paid derogatory or anything other than paid as agreed if you paid promptly and in its entirety.
  • Balances that continue to be recorded as past due that were involved in a bankruptcy.
  • Bad items older than 84 months that should have been taken off your report.

Repair Credit Georgia

Your GA credit repair service will also help you with debt validation.

Debt validation means asking a collector to prove that they have the ability to collect on a debt, and in line with FDCPA protocols, they must give you a response within a thirty day period. If the collections agency fails to provide the mandatory validation, they lose the right to collect on it and must get the unpaid debt cleared from your credit history.

Credit Reports For Georgia Residents

You will find countless websites that want you to pay them for your credit scores. But what if you just want your credit report? Well once per year Georgia residents, and all US citizens, are entitled to download a copy of each credit report at no cost. Please click the link: www.annualcreditreport.com. In order to secure your credit file through this site, you will have to enter your SSN, but no payment information is necessary.

Unfortunately, your credit rating doesn’t get displayed on these free credit reports. However, when you call one of our Georgia credit repair experts, they will provide you with your credit score – free of charge!

Repairing Credit in GA

Georgia Credit Data

You’re not alone in needing credit repair. Georgia residents might have average credit ratings of 668, but more than 1 in 5 Georgia residents have a bad credit score. The debt per person is $1,459.

Avoiding Credit Repair Scams in GA

It’s unfortunate, the credit repair business has a history of being filled with less-than-reputable providers.

Listed here are a couple of ways to recognize a fly-by-night credit repair firm in Georgia:

  • They have you misrepresent information on your credit report.
  • They are guaranteeing that they can get unfavorable items erased from your credit report.
  • They want you to pay them before doing anything.

These tactics aren’t permitted under the Credit Repair Organizations Act. The CROA was put into law in 1996.

Credit Repair in Your City