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Credit Repair

Missouri Credit Repair (MO)

Do you need to buy a house? Get a car or truck? Repairing your credit is crucial. We’ve built relationships with the best credit repair agencies in MO who want to help you improve your credit score, lower your interest rates, and acquire everything from car financing to home loans.

>> Register for a Credit Evaluation!

Here at Credit Repair Zoom, we match you up with highly regarded Missouri credit repair pros that are standing by to provide you with a detailed analysis of your credit. They’ll be able to uncover credit problems that a layman may forget about, and they know how to have these mistakes cleared by the credit bureaus. Should you be in the market for a car or home loan, many credit repair specialists will even provide a lawyer’s letter of recommendation for your loan company!

Here are the most common credit report discrepancies:

  • Bad entries that are not yours.
  • Inaccurate credit limits.
  • Accounts posted as anything apart from paid as agreed if you paid promptly and in full.
  • Debts that continue to be reported as past due that were part of a bankruptcy filing.
  • Detrimental listings older than seven years which should have been taken off your report.

Your FDCPA Rights

Since 1978, borrowers have been safeguarded by the Fair Debt Collection Practices Act (FDCPA), which, along with regulating collection agencies, grants you certain privileges that are important for repairing your credit.

Are debt collectors stressing you out? Then you need to find out about debt verification.

This involves disputing whether a debt is legitimate. The collections agency must furnish evidence that you owe the debt, and verification that they currently have the right to collect it.

Failure to give you these records promptly could result in lack of the ability to collect the debt. Furthermore, the collector will be required to get the debt deleted from your credit file.

Credit Reports For Missouri Residents

Should you wish to go on and check your credit report, you can do this for free through www.annualcreditreport.com. Everyone in Missouri and across the nation has this ability. But you can only do so for free annually. The credit files from this site have on them your:

  • Debt Balances
  • Credit Balances
  • Payment History

If there’s anything bizarre on your credit report, you might need to check with a credit repair professional in Missouri for a free assessment.

Missouri Credit Stats

You are not alone in needing credit repair. Missouri residents might have average credit ratings of 683; nonetheless, more than 20% of the state’s residents have a bad credit score. On average, debt per person is $813.

Debt Consolidation vs Credit Repair in MO?

Debt Consolidation in MO

Free Assessment!

Are you drowning in serious debt, besides less-than-perfect credit? Getting a debt consolidation loan is an answer for people struggling to make ends meet.

Of course, there are several down sides:

  • Excellent credit usually necessary to get a debt consolidation loan.
  • Potential for home loss, given that delinquent home loans are subject to foreclosure.
  • Likely less personal shelter if you file for bankruptcy.
  • Finance companies may be less likely to offer new lines of credit if participating in a consolidation plan.

Those struggling with poor credit in Missouri should look into credit counseling. You can often get exactly the same perks as debt consolidation, no financing necessary.

Pinpointing Credit Repair Scams in MO

In accordance with the Credit Repair Organizations Act, also called the CROA, your Missouri credit repair provider:

  • Cannot make guarantees as regards the elimination of negative entries on your credit file.
  • Should not generate a new credit profile in your name.
  • Shouldn’t bill you before performing services.

Credit Repair in Your Area