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Credit Repair

Credit Repair – Traverse City (MI)

Credit has a bearing on every aspect of modern life:

  • Buying a Car
  • Renting an Apartment
  • Looking for Jobs

It’s imperative to prevent errors from tarnishing your credit history. We focus on credit repair for home buyers, car shoppers, and job hunters in Traverse City.

>> Sign up for a Credit Repair Consultation Online – for Free!

Repairing Your Credit in Traverse City

  1. You register online for a credit consultation.
  2. A credit repair consultant assesses your credit profile for things that might be harming your credit ratings.
  3. They challenge erroneous items with the credit bureaus.
  4. Your credit repair agency helps you raise your credit ratings in other ways.

Out of the 63,855 inhabitants of Traverse City, 80% are estimated to have inaccuracies on their credit history – this is 51,084 consumers!

Listed here are a few types of credit report issues:

  • Missed payments, charge-offs and other negative entries that are not your own.
  • Credit limits reported as less than they are.
  • Accounts registered as anything other than current if you paid promptly and in full.
  • Balances recorded as unpaid that were included in a bankruptcy case.
  • Unfavorable items older than 7 years which should have vanished from your report.

Traverse City Credit Repair

Your Credit Reporting Rights

Established in 1978, the Fair Debt Collection Practices Act (FDCPA), besides regulating collectors, provides you with certain privileges that are vital for repairing your credit.

Are you being hassled by debt collectors? If so, you should find out about debt validation.

Debt validation, also called debt verification, is when you ascertain whether a collector really has the right to collect your debt. The Fair Debt Collection Practices Act (FDCPA) grants you this authority. The collector should present you with proof that you owe the debt, and proof that they currently have the right to collect it.

Neglecting to present you with this information promptly could mean loss of the ability to collect the debt. In addition, the collector may be obligated to have the debt cleared from your credit history.

Credit Reports in Traverse City

Do you check your credit report for free every year from www.annualcreditreport.com? The credit files from this website will show you your:

  • Debt Balances
  • Credit Accounts
  • Payment Records

Remember that this isn’t going to include your credit scores. But if you connect with one of our Traverse City credit repair specialists, they won’t only assess your credit profile – also they will give you your credit scores to boot – absolutely free!

Traverse City Credit Numbers

You’re not alone when it comes to credit repair. Traverse City residents have average credit scores of 756; then again, more than 20% of the city’s residents have below-average credit. On average, debt per person is $23,927, which is $615 less than the US average. The average Traverse City resident has 1.63 active credit cards and 0.39 past due payments. Traverse City inhabitants are at 75.12% of their credit limit.

Credit Restoration Agencies in Traverse City (MI)

  • Great Lake Credit Care, 121 E Front St, 49684
  • Northern Michigan Credit Consultants, 2427 Michigan 37, 49684
  • Autocredit Financial, 12719 S West Bay Shore Dr, 49684
  • A American Credit and Debt Counseling Service, 250 E Front St, 49684

Listed here are a few of the leading debt collectors in your area.

  • Core Recovery Bureau Division of Credit Bureau of Traverse City Inc., 424 E Front St, 49686-2614
  • Servco Credit Corporation, 729 E 8th St, 49686-2662

Repair Credit Traverse City MI