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Credit Repair

Credit Repair – Savannah (GA)

Are you aware that eight out of ten credit files have errors and discrepancies, many of which can keep you from being approved for auto loans and mortgages? You shouldn’t go with do-it-yourself credit repair. Your credit rating is just too important. Entrust your credit to a qualified professional.

>> Register for a Credit Evaluation Today – No Charge!

First of all, you’ll want to send your credit repair company a copy of your three bureau credit report. This is a credit report from each of the three agencies:

  • Equifax
  • Transunion
  • Experian

They will meticulously study your record for inaccuracies and how to boost your credit scores, and skillfully manage any and all credit disputes to have these things corrected on your credit file. They are experts when it comes to ensuring that things like these are erased. A lot of the credit repair services in Savannah, GA, we recommend also provide credit counseling.

Were you aware that 174,927 men and women in Savannah have mistakes on their credit reports? That’s 4 in every 5 people.

Your FCRA Rights

Credit Repair Savannah GA

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The Fair Credit Reporting Act, otherwise known as the FCRA, requires that credit reporting agencies update or remove listings on your credit file that are mistaken, not complete, or cannot be confirmed.

What’s more, the Fair Credit Reporting Act limits how long negative items can be kept on your credit history. The limit is 7 years, while the maximum for bankruptcy is 10 years.

One core principle of repairing credit is debt validation, which is particularly valuable if you end up being hounded by collectors. This entails insisting that a collection agency verifies that they have been designated to collect on a debt. The FDCPA (Fair Debt Collection Practices Act) grants you this privilege.

The collector should provide evidence that you owe the debt, and verification that they do indeed have the right to collect it.

Failure to supply this information on time could result in loss of the ability to collect the debt. In addition, the collection agency will be obligated to clear the debt from your credit report.

Credit Scores For Savannah Residents

If you would like go on and pull your credit report, this may be done for free through www.annualcreditreport.com, but it’s free for download only once a year.

To check your credit reports through this site, you will be asked to enter your social security number, but no payment information is necessary.

Your credit score will not be part of these no cost annual credit reports, but if you email or call one of our Savannah credit repair consultants, they will provide you with your credit score. Even better, it’s for free!

Savannah Credit Repair

Credit Data in Savannah

You are not alone in needing credit repair. Savannah residents have average credit ratings of 716, yet more than 20% of the city’s individuals have a low credit score. The debt per person is $25,561. That’s $1,019 more than the US average. The average consumer in Savannah has 1.59 active credit cards and 0.57 late payments. Savannah residents have around 66% of their credit available.

Restoring Your Credit Ratings in Savannah

Listed below are some more ways to maximize your credit report score. To start with, it is best to decrease your credit card use, which means striving to keep your credit card debts to 30% of your credit limit. Second of all, pay all of your bills in a timely manner. Next, be sure not to get rid of any credit card accounts. Finally, don’t request many different new credit accounts at one time.

Credit Counseling in Savannah, GA

Since your credit needs some TLC, you may want to consider having your finances reviewed by a highly-regarded Savannah credit counseling company. While credit repair is a means of rapidly boosting your credit, credit counseling is devoted to debt relief and financial education.

Are you in major debt from credit cards?

If you sign up for debt management, you will make a single payment each month to your Savannah credit counseling organization, and they will pay your debt collectors themselves.

Best of all: credit counseling does not affect your credit rating.

Choosing The Right Company for Credit Repair in Savannah

Luckily, nowadays there are laws and regulations to protect people who have poor credit. Specifically, it’s called the Credit Repair Organizations Act. It forbids credit repair outfits from charging upfront, setting up fake credit profiles, promising overstated success, and just misrepresenting themselves.

Credit Repair Businesses: Savannah (GA)

  • Consumer Credit Counseling, 1221 South Beach Street, 31401
  • Tri Professional Credit Counseling and Consulting Service, 6203 Abercorn St, 31405
  • A American Credit and Debt Counseling Service, 111 Barnard St, 31401
  • Consumer Credit Counseling, 1221 S Beach St Daytona, 29927

Debt Collectors in Savannah (GA)

These are a few of the leading collectors in Savannah:

  • Checkcare Systems of Savannah, 6555 Abercorn St Ste 120, 31405-5713
  • Collectron Inc., 15 Executive Cir, 31406-3345
  • Credit Collection Services Group, Inc., 1934 E Montgomery Xrd, 31406-5037
  • Express Claims & Recovery Services, 720 E 66th St, 31405-4506
  • LCA Services, 330 Benefield Dr, 31406-2604
  • Merchants Credit Bureau, 18 Park of Commerce Blvd, 31405-7410

Repair Credit Savannah GA