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Credit Repair

Credit Repair – Detroit (MI)

Would you like to repair your credit and increase your credit ratings? Just don’t be satisfied with do-it-yourself credit repair when you can have your credit repaired in a prompt and cost-effective fashion.

>> Request a Credit Repair Quote – No Charge!

Here at Credit Repair Zoom, we work with trusted experts who can provide you with a detailed analysis of your credit. They’re able to spot credit mistakes that a layman would probably overlook. They can have these inaccuracies deleted. If you want an auto or home loan, many credit repair companies will even give you an attorney letter of recommendation for your bank or investment company!

Do you know that 946,775 consumers in Detroit are believed to have mistakes on their credit files? That’s more than 4 out of every 5 people.

Commonly seen credit report errors include:

  • Late payments, charge-offs or other negative listings that aren’t your own.
  • Incorrect credit limits.
  • Accounts stated as anything besides paid as agreed if you paid on time and in its entirety.
  • Balances reported as past due that were associated with a bankruptcy.
  • Damaging items older than 84 months that should have disappeared from your report.

Have you heard about debt validation? This has become a highly effective weapon against unethical collectors in Detroit.

This entails contesting whether any debt is truly legitimate. The collector has to present you with evidence that you owe the debt, and evidence that they do hold the debt.

Failing to supply these records in a timely manner could mean loss in the right to collect the debt. Moreover, the collector may be required to get the debt taken off from your credit file.

Credit Scores For Detroit Residents

Have you heard that you can view your credit report at zero cost annually? The site is www.annualcreditreport.com where you can do so.

If the website asks you to pay for your credit report, don’t – you’re not in the right place.

If there’s an entry that’s odd on your credit report, you should probably speak to a credit repair specialist in Detroit for a free analysis.

Detroit Credit Repair

Detroit Credit Data

Do you know the average credit rating in Detroit is 743? This means Detroit ranks 81st among US cities in terms of credit score. On average, debt per person is $25,073. That’s $531 more than the US average. The average Detroit resident has 1.8 active credit cards and 0.53 late payments. Detroit residents have about 70.8% of their credit available.

Boosting Your Credit Rating in Detroit

Let’s look at additional ways to raise your credit report score.

Listed below are some of the most prominent score savers:

  • Prompt payments
  • Low usage of credit (30% is ideal)
  • Few opened or closed credit accounts

Pinpointing Credit Repair Scams in Detroit

Allow me to share a couple ways to identify a dishonest credit repair consultant in Detroit:

  • They ask you to be dishonest on your credit file.
  • They guarantee that they will have negative items erased from your credit rating.
  • They try to charge you right off the bat.

Such tactics are not acceptable under the Credit Repair Organizations Act.

Credit Restoration Agencies: Detroit, MI

Listed below are a few of the leading credit repair agencies in Detroit.

  • Bad Credit Consulting, 5555 Conner St, 48213
  • I Got Credit, 21745 W 8 Mile Rd, 48219

Here are a number of the prominent collection agencies in Detroit.