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Credit Repair

Credit Repair – Columbus (MS)

Credit Repair Columbus MS

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Are you considering professional credit repair? Columbus loan applicants have been turning to Credit Repair Zoom to help them boost their credit ratings. We can connect you to a credit specialist who can examine your report for errors and provide you with ways to boost your scores.

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Columbus Credit Repair Benefits

Credit Repair in Columbus MS

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Repairing your credit on your own is a real pain. Here at Credit Repair Zoom, we help you find trusted pros who are standing by to guide you through the process of restoring your credit, from identifying errors to filing disputes to applying for new credit lines.

Let’s look at a few types of credit report mistakes:

  • Adverse items that aren’t your own.
  • Erroneous credit limits.
  • Entries registered as anything other than current if you paid promptly and in full.
  • Balances that are still recorded as not paid that were involved in a bankruptcy.
  • Undesirable items older than 84 months which should have been removed from your report automatically.
Credit Repair Companies Columbus MS

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The Fair Credit Reporting Act, established in 1970, requires that credit agencies change or remove details on your credit file that are

  • Wrong
  • Not complete
  • Unable to be verified

Without having the FCRA, the credit bureaus would not have to alter your credit profile.

Advanced Methods: Debt Validation

Are debt collectors hassling you? In that case, you’ll want to be familiar with debt validation. Debt validation entails asking a collection agency for legal proof that they have obtained or been given your debt, and they have to respond within a thirty day period. If the collector does not reply, they will be unable to collect it and must clear the collection listing from your credit file.

Pay For Delete Credit Repair in Columbus

Debt validation is a formidable tool at your disposal, but it is best carried out with the direction of your Columbus credit repair professional, as is pay for delete. This is an agreement in which you pay your collector to have the adverse item cleared from your credit history.

However, the credit agencies began taking action against this practice. However, some collectors do still consent to PFD offers.

Credit Facts: Columbus

Check out these Columbus credit facts:

  • Credit Score: 717
  • Credit Score Ranking: 124th
  • Debt Per Person: $22,749
  • Utilization of Credit: 74.88%
  • Overdue Payments: 0.65

Specialized methods like debt verification and pay for delete techniques to improve your credit, but there are other ways to increase your credit report score. For starters, it’s good to limit your credit card debt, which means trying to expend no more than 30% of your borrowing limit. The second thing is, make sure to make all of your payments when they’re due. Also, you don’t want to close any credit card accounts. It’s best not to apply for several new credit lines simultaneously.

Debt Settlement vs Credit Repair in Columbus

Have you been attempting to choose between credit repair and debt settlement in Columbus?

Debt settlement is a possibly worthwhile answer when you’ve got real debts that you are unable to pay, whereas credit repair challenges the legality of specific accounts that show up on your credit file.

Debt settlement is an alternative choice to filing bankruptcy, and it’s damaging to your credit scores.

Credit Repair Ripoffs in Columbus

Fortunately, these days there are guidelines to protect people struggling with below-average credit in Columbus and across the nation. Specifically, it’s called the Credit Repair Organizations Act (CROA), and it restricts credit repair outfits from demanding that people pay up front, creating fake credit profiles, promising overstated success, and other sneaky techniques.

Credit Repair and Counseling Services: Columbus, MS

These are a handful of the leading credit repair companies in your area.

  • Watson Credit Improvement & Loan, 1526 Gardner Blvd, 39702