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Credit Repair

Mississippi Credit Repair (MS)

Poor credit can prevent you from financing a car, purchasing a house, even obtaining a job. Thankfully, we can help you fix your credit report and improve your scores. We’ve built relationships with the most trusted credit repair companies in MS who want to help you raise your credit score, decrease your APR rates, and obtain everything from auto financing to mortgages.

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Credit Repair For Mississippi Residents – The Basics

  1. You sign up for a credit consultation.
  2. Your credit repair consultant analyzes your credit file for mistakes that could be damaging your credit.
  3. They contest erroneous items with the credit bureaus.
  4. You work with your credit repair service to increase your credit rating in other ways.

Listed here are a few types of credit report issues:

  • Detrimental items that are not yours.
  • Inaccurately small credit limits.
  • Debts stated as anything besides current if you paid by the due date and in full.
  • Accounts recorded as outstanding that were associated with a bankruptcy.
  • Damaging entries older than 7 years which should have been taken off your report.

Mississippi Credit Repair

Validating Your Debts in Mississippi

Are collection agencies hounding you again and again? Then you need to know about debt verification. Under the FDCPA (Fair Debt Collection Practices Act), you can dispute whether a debt is legal or not.

If the collector neglects to validate the debt within 30 days, they will be unable to collect it and must have the balance deleted from your credit profile.

PFD Agreements in Mississippi

Credit Repair MS

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Even though collectors are less open to pay for delete contracts today, these agreements still happen.

MS collection agencies often acquire outstanding debts at a portion of the amount owed, so pay for delete proposals are often enticing, especially when the statute of limitations has ended.

When it comes to pay for delete, credit repair firms in Mississippi will recommend the following: Be certain that you get the contract documented. Also, file away all correspondence. Finally, you should not offer more cash than you can afford.

Mississippi Credit Statistics

Have a look at the following Mississippi credit facts:

  • Credit Score: 668
  • Credit Record Mistakes: 2,373,838
  • Consumers with Poor Credit: 741,824
Raise Credit Scores Mississippi

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Advanced methods like debt verification and PFD techniques to repair your credit, but there are other ways to boost your scores.

Let’s consider some of the primary factors:

  • Timely payments
  • Low usage of credit (30%)
  • Few opened or closed credit accounts

Credit Repair vs Debt Settlement in Mississippi

Debt Settlement Mississippi

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Have you been attempting to sort out the difference between credit repair and debt settlement in Mississippi?

Debt settlement is a possibly viable solution when you have bonafide financial debt that you are unable to pay. On the other hand, credit repair disputes the validity of selected items appearing on your credit report. Debt negotiations are harmful to your credit score.

Credit Repair in Your Part of Mississippi