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Credit Repair

Credit Repair – Flint (MI)

Do you want to repair your credit and raise your credit ratings? We’ve joined forces with the most trusted credit repair agencies in Flint, MI, to help you:

  • Enhance Your Credit Ratings
  • Lessen Your Interest Rates
  • Get Approved For New Loans

How to Repair Your Credit in Flint

Credit Repair in Flint MI

Free Evaluation!

Should you register for a zero cost assessment, we’ll put you in touch with a credit specialist. You will probably need to send them your tri-bureau credit report, with records from each one of the three reporting agencies:

  • Equifax
  • Experian
  • Transunion

After that your credit repair expert will closely review your report for inaccuracies, along with the best way to maximize your credit scores. Next they will supervise any and all credit disputes to get these things removed from your credit file. They know how to get these listings cleared. The majority of Flint credit repair companies we have partnered with can provide credit counseling.

Your FCRA Rights

As stated by the Fair Credit Reporting Act (FCRA, credit reporting agencies must rectify or remove details on your credit history that are wrong, incomplete, or cannot be validated.

As you can imagine, this is key to credit repair, since it provides you the right to have your credit report revised.

Are collection agencies hassling you? If so, you should be familiar with debt validation. This involves demanding that a collection agency verifies that they have acquired or been given your debt, and it is your privilege as a consumer under the FDCPA. If the collection agency fails to answer back within 30 days, they lose the ability to collect on it and must eliminate the collection listing from your credit profile.

Credit Scores For Flint Residents

There are lots of websites that want you to pay them to monitor your credit, but once per year you are entitled to get each credit report free of charge. Here is the site: www.annualcreditreport.com. To download your credit file through this site, you’ll need to give your social security number, but not payment information.

Your credit score will not be included in these cost-free reports. On the other hand, if you telephone or email one of our Flint credit repair experts, your credit evaluation will provide you with your credit rating – at no cost!

Flint Credit Repair

Flint Credit Statistics

On average, people in Flint have a credit score of 747, which is 77th nationally. On average, debt per capita is $23,075, which is $1,467 less than the nation’s average. The average Flint resident has 1.69 active credit lines and 0.53 late payments. When it comes to credit utilization, Flint residents are at 71.64% of their credit limit.

Debt Consolidation vs Credit Repair in Flint?

Debt Consolidation Flint MI

Free Consultation!

Lots of folks in Flint who have bad credit are in substantial debts to boot.

Consolidating your debt could possibly be the way to go. Beneath are a few of the benefits:

  • Fewer delinquent payments.
  • Interest rate for loan normally cheaper than credit card.
  • Better credit card balances means superior credit scores.
  • Overdue charge deterrence.

But there are a few disadvantages:

  • Excellent credit ratings are typically needed to get a home equity loan.
  • Chance of losing home if it is serving as collateral for consolidation loan.
  • Potentially less financial security if you declare bankruptcy.
  • Banks reluctant to offer new lines of credit if you’re signed up for a consolidation plan.

Credit counseling is often a great alternative for Flint residents with subprime credit scores. A home equity loan is not required to take part in such a program.

Credit Repair and Counseling Businesses in Flint, MI

  • Credit Report Advocates Of Michigan, 1389 W Bristol Rd, 48507
  • Michigan Credit Adjustors Inc, 1173 N Ballenger Hwy, 48504

Flint Debt Collector Abuses

There are a variety of practices that are forbidden by the Fair Debt Collection Practices Act. Collectors can’t:

  • Make threats of lawsuits.
  • Decrease your credit ratings.
  • Garnish your wages.
  • Try and get you fired.
  • Seize your belongings.

To read more, take a look at: Fair Debt Collection Practices Act.

  • Client Financial Services of Michigan, 4300 S Saginaw St Fl 3, 48507-2653
  • Merchants & Medical Credit Corporation, 6324 Taylor Dr, 48507-4680
  • Russell Collection Agency, Inc., G3285 Van Slyke Rd, 48507-3278

Flint Credit Repair