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Credit Repair

Hawaii Credit Repair (HI)

Credit impacts every facet of life in the US, from buying a vehicle to renting an apartment to getting jobs Therefore it’s essential to keep inaccuracies from tarnishing your credit file. The rewards associated with credit repair can be major:

  • Increased Chances of Loan Approval
  • Improved APR Rates
  • Reduced Car Insurance Premiums
  • Improved Job and Housing Options

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Finding a Credit Repair Consultant in HI

You need a legal solution to credit repair in Hawaii. At Credit Repair Zoom, we put you in touch with trusted Hawaii credit repair experts that can:

  • Check your credit reports for errors.
  • Submit disputes with the credit bureaus.
  • Manage these disputes.
  • Deliver or suggest Hawaii debt relief products and services.
  • Enable you to satisfy creditor requirements for car and mortgages.

The Fair Credit Reporting Act

According to the FCRA (Fair Credit Reporting Act), credit bureaus are required to alter or remove items on your credit report that are

  • Wrong
  • Incomplete
  • Unverifiable

On top of that, the FCRA restricts how long adverse entries are to be kept on your credit file. The limit is seven years, though the maximum for bankruptcy is 10 years.

The Benefits of Debt Validation for HI Residents

Your HI credit repair firm may even help you to validate your debts. This is how you figure out if a collector really has obtained or been given your debt, and doing so is your legal right according to FDCPA.

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

Failure to present you with these details on time could result in lack of the right to collect the debt. Additionally, the collections agency will be obligated to remove the debt from your credit history.

Credit Scores For Hawaii Residents

There are plenty of sites that want you to pay them for credit monitoring. But what if you just want your credit report? Well you are entitled to download a copy of each credit report free of charge. Here is the site: www.annualcreditreport.com.

The credit reports from this website will show you your:

  • Debt Balances
  • Credit Accounts
  • Payment Records

Oftentimes, people see odd items on their credit file, like Hawaii collectors. In these instances, it’s best to check with a credit repair specialist in Hawaii.

Hawaii Credit Numbers

Take a look at the following Hawaii credit facts:

  • Credit Rating: 688
  • Credit History Inaccuracies: 1,088,241
  • People with Poor Credit: 340,075

Supercharging Your Credit Ratings in HI

Improve Credit Scores Hawaii

Free Evaluation!

Here are additional ways to increase your rating. For starters, you might want to decrease your dependence on credit cards, which means striving to keep your credit card debts to 30% of your borrowing limit. Also, you should definitely pay all of your bills punctually. Don’t get rid of any credit cards. You shouldn’t apply for many different new credit cards simultaneously.

Debt Settlement or Credit Repair in HI?

Should you want to raise your credit scores, debt settlement is not a solid choice. Credit repair is.

They are different options. Credit repair is for disputing the validity of certain items on your credit history, including outstanding debts. Debt settlement involves bargaining for a reduction in what you owe.

Debt settlement is for individuals who need to get out of credit card debt. This isn’t for people aiming to improve their credit score, that’s for certain.

Credit Repair in Your Part of Hawaii