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Credit Repair

Credit Repair – Columbus (GA)

Credit Repair Programs Columbus GA

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Were you aware that the majority of credit files are full of errors and inaccuracies, some of which can stop you from qualifying for car and home loans? The benefits of fixing your credit can be huge:

  • Greater Chances of Credit Acceptance
  • Better Loan Rates
  • Improved Insurance Premiums
  • More Attractive Career and Housing Prospects

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Advantages of Columbus (GA) Credit Repair

Repairing your credit all by yourself is a serious headache. At Credit Repair Zoom, we work with trusted specialists who are standing by to guide you through the process of repairing your credit:

  • Identifying Mistakes
  • Managing Credit Disputes
  • Attempting to Get New Credit Lines

Based upon the latest studies, 80% of men and women residing in Columbus have mistakes on their credit files – this is 154,714 people!

Let’s look at a few types of credit report issues:

  • Overdue payments, charge-offs or other negative items that aren’t your own.
  • Credit limits reported as lower than they actually are.
  • Debts registered as anything aside from current if you paid punctually and in full.
  • Accounts that are still reported as unsettled that were involved in a bankruptcy.
  • Bad entries older than 84 months that should have been erased from your report by now.

Columbus Credit Repair

Your Credit Reporting Rights

Since 1978, borrowers have been safeguarded by the Fair Debt Collection Practices Act (FDCPA), which, apart from regulating collection agencies, gives you legal rights that happen to be crucial for repairing your credit.

Your Columbus credit repair agency will even help you to validate your debts.

This involves demanding that a debt collector provide evidence that they have the ability to collect your debt. The Fair Debt Collection Practices Act (FDCPA) gives you this right.

If the collector fails to provide the required information, they lose the ability to collect it and must get the balance removed from your credit history.

The credit agencies would like to discourage pay for delete arrangements, but these types of arrangements still can be a powerful tool for improving one’s credit score in Columbus.

Certain circumstances are more advantageous. For credit card debts older than [sol] years, given that the SOL has run out, they may agree to a PFD contract. When it comes to pay for delete, credit repair professionals in Columbus will highly recommend that you: Make sure to get the contract in some recoverable format. There are collectors who will deny the deal after they have your money. Secondly, keep all communications. And finally, take care not to offer more than your budget allows.

Isn’t it time to find a credit repair specialist in Columbus to help you develop a plan?

Most credit repair services simply invoice their clients each month. Often there aren’t any long-term contracts, and many legitimate companies give you cash back guarantees.

Columbus Credit Stats

Are you aware that the average credit rating in Columbus is 721? What this means is Columbus ranks 120th among US cities with respect to credit rating. The debt per person is $27,928 – $3,386 more than the US average. The typical consumer in Columbus has 1.49 active credit cards and 0.54 late payments. Columbus inhabitants are only using 65.09% of their available credit.

Supercharging Your Credit Scores in Columbus

Increase Credit Scores Columbus GA

Free Quote!

Advanced methods like debt validation and PFD ways to improve your credit, but there are other ways to increase your score.

Below are some of the essential factors:

  • Prompt payments
  • Minimal usage of credit (30%)
  • Only a few opened or closed credit accounts

Credit Counseling in Columbus, GA

Credit Counseling Programs Columbus GA

Free Assessment!

We quite often advise that our visitors also check out credit counseling providers in Columbus, GA. While credit repair is a quick way to fix your credit, credit counseling focuses on help with debt and consolidation.

Almost always, this entails enrollment in debt management in Columbus. If you sign up for a Debt Management Plan in Columbus, you will write just one single check every month to your Columbus credit counseling organization, and they will pay your banking institutions on time.

How much is this going to cost you? Generally $40 or less a month. Credit counseling businesses get a commission on the funds paid to your credit card companies.

Credit Repair and Counseling Businesses in Columbus, GA

Have a look at this list of Columbus credit repair companies.

  • Consumer Credit Counseling Service, 1350 15th Ave, 31901
  • Phoenix Group Credit Counseling, 1214 1st Ave, 31901
  • Consumer Credit Counseling, 5605 Princeton Ave, 31904

Columbus Collector Abuses

The FDCPA governs the actions of collection agencies in Columbus and nationwide. Collection agencies shouldn’t ever:

  • Threaten to prosecute you.
  • Reduce your credit ratings.
  • Wage garnishment.
  • Get you fired.
  • Seize your property.

To read more, please visit: Fair Debt Collection Practices Act.

Collection Agencies in Columbus (GA)

  • Associated Bonded Collections, Inc., 416 12th St Ste STE205, 31901-2529
  • Checkcare Systems of Columbus, GA, 3907 Macon Rd, 31907-2220
  • Chek-Mate, 1435 54th St, 31904-4409
  • Collection Services, Inc., 3518 Veterans Pkwy Ste A, 31904-7168
  • National Check Recovery, LLC, 506 Manchester Expy Ste A12, 31904-6482
  • Professional Collection Service, 5156 River Rd Ste I, 31904-5883
  • Receivable Management Group Inc., 2901 University Ave Ste 29, 31907-7601