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Credit Repair

Credit Repair – Augusta (GA)

A bad credit score can prevent you from getting a car financed, buying a home, even getting a job. On the plus side, Credit Repair Zoom can help you clean up your credit report and boost your ratings. You shouldn’t go with do-it-yourself credit repair. Your credit is just too important. Let an experienced professional manage your credit disputes.

Using a Credit Repair Agency in Augusta

What you need is a legal solution to credit repair in Augusta, GA. At Credit Repair Zoom, we have partnered with highly regarded specialists who are standing by to begin fixing your credit, from identifying problems to registering disputes to applying for new lines of credit.

Listed below are the most common credit report issues:

  • Negative entries that aren’t your own.
  • Erroneous credit limits.
  • Accounts posted as anything apart from current if you paid promptly and in full.
  • Debts that continue to be listed as past due that were associated with a bankruptcy.
  • Bad listings older than 7 years which should have disappeared from your report.

Repair Credit in Augusta GA

The Fair Credit Reporting Act, passed in 1970, requires that credit bureaus change or remove items on your credit history that are inaccurate, out of date, or unverifiable.

Therefore, the FCRA forms the root of credit repair, as it ensures that credit bureaus get rid of erroneous entries.

The Importance of Debt Validation for Augusta Residents

Debt validation is a powerful tool with regards to credit repair in Augusta. Debt validation entails asking a collector for verification that they have bought or been assigned your debt. The Fair Debt Collection Practices Act gives you this right. If the collector does not answer back properly within 4 weeks, they lose the right to collect on it and must clear the debt from your credit history.

Credit Reports in Augusta

If you’d like to just look at your credit report, simply head to www.annualcreditreport.com. However, it’s free for download just annually. If the site wants you to provide payment for your credit report, don’t – you are not in the right place.

Your credit score doesn’t get included with these free annual reports. However, when you connect with one of our Augusta credit repair experts, your credit consultation will come with your credit rating – absolutely free!

Repairing Credit in Augusta GA

Credit Statistics: Augusta

Take a look at these Augusta credit figures:

  • Credit Rating: 709
  • Credit Rating Ranking: 138th
  • Debt Per Capita: $26,204
  • Credit Utilization: 66.64%
  • Missed Payments: 0.62

Credit Repair vs Debt Settlement in Augusta

Are you trying to figure out which solution would be most beneficial for you, credit repair or debt settlement in Augusta?

These are very different options. Credit repair is for disputing the validity of specific things on your credit profile, like overdue debts. Debt settlement involves bargaining for a reduction in your debts.

Debt settlement is an alternative to filing bankruptcy, and it’s bad for your credit rating.

Credit Repair and Counseling Services in Augusta, GA

  • Consumer Credit Counseling, 1221 Peachtree Rd, 30909
  • Consumer Credit Counseling Services of Augusta Inc, 1341 Druid Park Ave, 30904
  • Csra Federal Credit Union, 521 8th St, 30901
  • Consumer Credit Counseling Service, , 30901
  • Consumer Credit Counseling, 2431 Peach Orchard Rd, 30906

Debt Collection Agencies in Augusta (GA)

Below is a list of Augusta collectors.

  • Associated Receivables, Inc., 535 Blackburn Dr, 30907-8202
  • Augusta Collection Agency Inc., 2600 Wrightsboro Rd, 30904-5343
  • Collection Receivables, Inc., 1835 Central Ave., 30904
  • Doctors & Merchants Credit Bureau, Inc., 955 Greene St, 30901-2231
  • Harvest Associates, Inc, 151 Davis Rd, 30907-2413
  • Stratagem Credit Services Inc., 1210 Roy St, 30909-1812
  • Utility Collections, Ltd., 1058 Claussen Rd Ste 110, 30907-0301
  • Voice Port Capital Recovery Group, 3687 Wheeler Rd, 30909-6521

Repairing Credit Augusta GA