Warning: ob_start(): non-static method sem_seo::ob_google_filter() should not be called statically in /home/creditrepairzoom/public_html/wp-content/plugins/sem-seo/sem-seo.php on line 540
Credit Repair

Credit Repair – Chicago (IL)

Credit Repair Chicago IL

Contact us!

While the average credit rating in Chicago is 760, an estimated 20% of the population is believed to suffer from a credit rating of 620 or lower. The advantages of repairing your credit can be wide-ranging:

  • Improved Likelihood of Loan Approval
  • Lowered Interest Levels
  • Cheaper Insurance Premiums
  • Better Career Prospects

Chicago Credit Repair

Chicago Credit Repair Benefits

Credit Repair Programs Chicago IL

Get Started!

At Credit Repair Zoom, we help you find highly regarded Chicago credit repair professionals who can begin restoring your credit, from identifying mistakes to filing disputes to requesting new lines of credit.

Did you know that 2,495,418 men and women in Chicago are estimated to have errors on their credit reports? That’s around 8 in every 10 consumers.

Let’s look at the most commonly seen issues that credit repair professionals tend to see:

  • Negative listings that aren’t your own.
  • Credit limits less than they should be.
  • Accounts posted as settled or anything besides paid as agreed if you paid punctually and in its entirety.
  • Accounts that continue to be displayed as overdue that were part of a bankruptcy filing.
  • Adverse listings older than 7 years which should have been taken off your report already.

Repairing Credit Chicago IL

Your FDCPA Rights

Since 1978, borrowers have been sheltered by the Fair Debt Collection Practices Act (FDCPA), which, along with governing debt collectors, provides you with rights that are important when it comes to credit repair.

Debt validation is a highly effective weapon against underhanded collection agencies in Chicago.

Debt validation, also called debt verification, involves requiring that a debt collector provide proof that they have the right to collect on a debt, and doing so is your legal right as a consumer under the FDCPA. If the debt collector does not authenticate the debt, they lose the legal right to collect it and must remove the collection listing from your credit report.

Credit Scores For Chicago Residents

Do you pull your credit report at no charge each year? The web site is www.annualcreditreport.com.

In order to obtain your credit file through this site, you’ll need to give your social security number, but not payment information.

Your credit rating will not be part of these no cost credit reports. However, when you call one of our Chicago credit repair specialists, they will not only analyze your credit report, but give you your credit score at the same time. Best of all, it’s absolutely free!

Chicago Credit Numbers

You’re not the only Chicago resident in need of credit repair. Chicago residents have average credit scores of 760; however, more than 1 in 5 Chicago residents have a bad credit score. The debt per person is $24,811 – $269 more than the US average. The average Chicago resident has 1.96 active credit lines and 0.44 missed payments. Credit utilization is another important statistic. Chicago inhabitants are only using 71.53% of their available credit.

Credit Counseling: Chicago, IL

Credit Counseling Chicago IL

Get a Quote!

People who’ve got adverse credit can sometimes benefit from credit counseling. Whereas credit repair is a quick way to fix your credit rating, credit counseling specializes in debt relief and budgeting.

For folks tormented by what seems like unpayable debt, a Debt Management Plan in Chicago might be an answer.

If you sign up for a Debt Management Plan, you will make just one payment every month to your Chicago credit counseling company, and they will pay your debt collectors on time.

Does credit counseling hurt your credit scores? It shouldn’t. Yet many lenders choose not to fund loans for individuals participating in a debt management program.

Avoiding Credit Repair Scams in Chicago

Here I will discuss a few indications of a fly-by-night credit repair provider in Chicago:

  • They want you to misrepresent facts on your credit report.
  • They guarantee that they can get adverse debts taken off your credit report.
  • They make you pay them in advance.

These practices are forbidden by the Credit Repair Organizations Act.

Credit Counseling and Repair Services in Chicago, IL

  • A & A Credit Service, 3831 S Halsted St, 60609
  • Clear Credit Results, 8147 S Stony Island Ave, 60617
  • Client Credit Repair Services (CCRS), PO BOX 20709, 60620
  • Consumer Credit Counseling Service At Metropolitan Family Service, 14 E Jackson Blvd, 60604
  • Consumer Credit Counseling Services, 70 E Lake St, #1115, 60601
  • Consumer Credit Educators, 6326 N Cicero Ave, 60646
  • Credit Builders INTL, 7118 S Yates Blvd, 60649
  • Credit Card Release, 39 W La Salle Dr, 60603
  • Credit Council, 1965 E 73rd St, 60649
  • Credit Power Services, Po Box 906, 60690
  • Credit Vitae, 1519 N Elk Grove Ave, 60622
  • Family Credit Counseling Service, 111 N Wabash Ave, 60602
  • Family Credit Counseling Service, 7354 W Addison St, 60634
  • Freedom Credit Solutions, 8770 W Bryn Mawr Ave, 60631
  • Insured Credit Services Inc, 307 N Michigan Ave, 60601
  • Nationwide Credit Clearing, 2320 N Damen Ave, 60647
  • NIKO Credit Services, 3435 N Cicero Ave, 60641
  • S & C Financial Credit Resolutions Group, NFP, 1545 W 83rd St, 60620
  • Wwwcreditrepair.com, , 60638
  • C & B Credit Helpers Company, 2836 N Mason Ave, 60634
  • United Credit Education (Good Credit), 1540 S Kostner Ave, 60623
  • Debt Consolidation-Consumer Credit Counseling Chicago, 578 S Columbus Dr, 60605
  • Revolution Credit Solutions Incorporated, 500 N Michigan Ave, #300, 60611
  • Credit Card Debt Consolidation Chicago, 365 N Jefferson St, 60661
  • Credit Repair Professionals, 28 E Jackson Bldng, Suite 1020 #C218, 60455
  • Consumer Credit Counseling Services, 150 N Wacker Dr, 60606
  • Badcreditco.com, 4506 N Malden St, 60640

Here are a number of the leading collection agencies in Chicago:

  • Computer Collection Service Corporation, 5340 N Clark St, 60640-2120
  • 1st Credit of America LLC, 300 N Elizabeth Street, Suite 220-B, 60607-1143
  • Bonded Collection Corporation, 29 E Madison St Ste 1650, 60602-4427
  • Collectors Training Institute of Illinois Inc., 3333 W Arthington St Ste 550, 60624-4102
  • Delinquency Prevention Services, Inc., 223 W Jackson Blvd, Suite 900, 60606-6908
  • Harris & Harris Ltd., 600 W Jackson Blvd Ste 400, 60661-5629
  • Harvard Collection Services, Inc., 4839 N Elston Ave, 60630-2534
  • Incoho Inc., 980 N Michigan Ave, Suite 1400, 60611-7500
  • J. V. D. B. & Associates, Inc., 3949 N Pulaski Rd, 60641-2932
  • Leading Edge Recovery Solutions, LLC, 5440 N Cumberland Ave Ste 300, 60656-1490
  • Malcolm S. Gerald & Associates, Inc., 332 S Michigan Ave Ste 600, 60604-4308
  • Manufacturers Clearing House of Ill., 4875 N Elston Ave, 60630-2551
  • Medical Collections Systems Inc., 725 S Wells St Ste 500, 60607-4578
  • Merchants Credit Guide Company, 223 W Jackson Blvd Ste 900, 60606-6912
  • RMK/Revenue Management, 625 N Michigan Ave Ste 2101, 60611-3180