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Credit Repair

Credit Repair – Baltimore (MD)

Credit Repair Baltimore MD

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Were you aware that most credit reports are marked by errors and inaccuracies, many of which can keep you from getting approved for auto loans and mortgages? We can assist you in finding the ideal credit repair agency in Baltimore, no matter if you need credit repair for automobile financing, home loans, or job interviews.

How to Repair Your Credit in Baltimore

Credit Repair Baltimore MD

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  1. You request a free credit consultation.
  2. A credit repair professional assesses your credit report for mistakes that could be hurting your credit rating.
  3. They challenge invalid items with the Equifax, Experian, and/or Transunion.
  4. You work together with your Baltimore credit repair company to improve your credit scores in other ways.

Baltimore Credit Repair

Your FCRA Rights

In accordance with the Fair Credit Reporting Act (FCRA, credit agencies are required to edit or remove details on your credit profile that are incorrect, not complete, or can’t be verified.

In a way, the FCRA is the core of credit repair.

Have you heard of debt validation? This is a powerful tool with respect to repairing credit in Baltimore, particularly if you’re dealing with invasive debt collectors. Under the FDCPA (Fair Debt Collection Practices Act), you may contest if a debt is legal. The collector has to provide specific records:

  • Proof that it owns your debt.
  • Original contract.
  • Your payment background.

Failing to give you this information promptly could mean loss of the ability to collect the debt. Furthermore, the collector may be obligated to remove the debt from your credit history.

In the past, pay for delete agreements were more widespread in Baltimore and across the nation. This is an arrangement in which you pay your debt collector to have the negative entry removed from your credit profile.

Naturally, paying for collections deletion results in lofty credit ratings, so the credit reporting agencies now bar debt collectors who take part in these kinds of antics. If your debt collector does consider a PFD agreement, keep in mind the following tips:

Credit Repair Baltimore MD

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  • Obtain the PFD agreement in writing.
  • Remember that records from the principal creditor will not be removed.
  • A pay for delete proposition can potentially spur collections activities, particularly if the SOL has not been passed.

Baltimore Credit Stats

You aren’t the only Baltimore resident needing credit repair. Baltimore residents have average credit ratings of 759, but more than 1 in 5 Baltimore residents have below-average credit. On average, debt per capita is $25,645, which is $1,103 more than the national average. The typical Baltimore resident has 1.92 active credit cards and 0.42 overdue payments. Baltimore residents are only using 69.69% of their available credit.

Credit Counseling: Baltimore, MD

Folks who’ve got below-average credit can usually benefit from credit counseling. Baltimore credit counselors will help you set up a monthly budget, fix your current financial headaches, and plan for things like getting an auto or home loan.

What’s even better: credit counseling does not affect your credit scores.

Credit Repair Ripoffs in Baltimore

Allow me to share a couple ways to distinguish a fly-by-night credit repair firm in Baltimore:

  • They want you to misrepresent details on your credit report.
  • They guarantee that they will have damaging listings erased from your credit report.
  • They try and charge you before doing anything.

All these tactics aren’t above board under the Credit Repair Organizations Act.

Credit Repair Companies in Baltimore (MD)

These are a number of the leading credit repair firms in Baltimore.

  • Credit Solution Association, 10 N Calvert St, 21202
  • Credit Solutions Association, 326 N Charles St, 21201
  • Creditrac Corporation, 1 E Chase St, 21202
  • National Credit Repair, 6405 Belair Rd, 21206
  • Consumer Credit Counseling, , 21201

Baltimore Collector Abuses

There are several guidelines collectors must adhere to according to the Fair Debt Collection Practices Act (FDCPA).

Collectors must:

  • Call you between 8:00 am and 9:00 pm.
  • Say who they are when phoning you.
  • Under no circumstances make threats of physical harm or destruction of your good name.
  • Not make threats to file a lawsuit against you.
  • Not tell you they’re going to get you thrown in prison.

These are just some of the guidelines founded by the Fair Debt Collection Practices Act.

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

Have a look at this list of Baltimore collection agencies:

  • CMD Account Management,Inc., 250 S. President St., Suite 250, 21202
  • Credit Adjustment Bureau of Baltimore, Inc., 2917 W Belvedere Ave, 21215-5144
  • E.R.I.-Estate Recoveries, Inc., 5543 Harford Rd, 21214
  • Key Recovery Group, LLC, 7101 Milford Industrial Rd, 21208-6015
  • Maryland Medical Collections, 9900 Franklin Square Dr Ste B, 21236-5915
  • R & R Professional Recovery, Inc., PO Box 21575, 21282-1575
  • Receivables Consultants, Inc., 8817 Belair Rd Ste 203, 21236-2446
  • The Law Offices of Heidi S. Kenny, LLC, 3723 Old Court Rd., Suite 206, 21208
  • Touchstone Asset Management, LLC, 250 S. President St., Suite 3500, 21202
  • Universal Collection Services, 5707 Calverton St Ste 2A, 21228-4154

Baltimore Credit Repair