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Credit Repair

Credit Repair – Kansas City (MO)

While the average credit score in Kansas City is 760, at least 20% of the population is believed to suffer from bad credit. We specialize in credit repair for Kansas City residents.

>> Give us a Call for a Free Consult

At Credit Repair Zoom, we work with highly regarded experts that are standing by to:

  • Check your credit history for mistakes and fraud.
  • File disputes with Experian, Transunion, and/or Equifax.
  • Manage these disputes.
  • Provide Kansas City debt management services.
  • Help you satisfy loan company standards for vehicle and home loans.

Your Right to Credit Repair

The Fair Credit Reporting Act, otherwise known as the FCRA, requires credit bureaus to rectify or erase entries on your credit file that are inaccurate, out of date, or can’t be confirmed.

Without having the FCRA, the credit agencies would never have to modify your credit file.

Are collectors stressing you out? In that case, you’ll want to know about debt verification. Debt validation, often known as debt verification, entails requiring that a collection agency provide proof that they have been assigned to collect your debt, and it is your legal right under the FDCPA. The collection agency must supply evidence that you owe the debt, and evidence that they do have the authority to collect it.

Neglecting to provide you with this information in a timely manner could result in loss in the ability to collect the debt. Additionally, the collections agency may be obligated to get the debt removed from your credit history.

Credit Reports For Kansas City Residents

Were you aware that you can look at your credit report at zero cost each and every year? Here’s the web site: www.annualcreditreport.com for doing so. The credit reports from this site will show you such things as your credit accounts, debts, and payment history.

Your credit rating isn’t going to be part of these no cost annual credit reports. But if you speak with one of our Kansas City credit repair experts, they will give you your credit score. On top of that, it’s absolutely free!

Kansas City Credit Numbers

Have a look at these Kansas City credit facts:

  • Credit Score: 760
  • Credit Score Ranking: 44th
  • Debt Per Person: $25,370
  • Credit Utilization: 73.57%
  • Missed Payments: 0.43

Boosting Your Credit Score in Kansas City

Increase Credit Scores Kansas City MO

Free Assessment!

There are several ways to improve your credit report score.

Let us take a look at several of the primary factors:

  • Timely payments
  • Minimal usage of credit (30%)
  • Only a few opened or closed credit accounts

Debt Settlement or Credit Repair in Kansas City?

Debt Settlement Kansas City MO

Free Assessment!

A lot of people don’t fully understand the how debt settlement is different from credit repair. These are different solutions. Credit repair is for disputing the validity of specified things on your credit history, including outstanding debts. Debt settlement involves bargaining for a lower amount of debt that you legally owe.

Debt settlement is detrimental to your credit rating.

Credit Restoration Firms: Kansas City (MO)

  • Credit Fix Express, 906 NE 42nd Ter, 64116
  • Csc Credit Services Inc, 920 Main St, 64105
  • Myrs Credit Advisors Inc, 1319 Hickory St, 64102
  • Consumer Credit Counseling Service, 9300 Troost Ave, 64131
  • Kansas City Credit Svc Incorporated, 2016 Swift Ave, 64116
  • Citicorp Credit Services, 7930 NW 110th St, 64153
  • Angelo, Steve Manager – National Credit Sources, LLC, 6324 N Chatham Ave, #331, 64151
  • Remedy Credit Repair and Debt Counseling, 323 Emanuel Cleaver II Blvd, 64112
  • Consumer Credit Counseling, , 64117
  • Consumer Credit Counseling, 11525 E 74th St Ct, 64133

Kansas City Collector Abuses

Despite the FDCPA, many debt collectors regularly make a habit of harassing people and practice illegal debt collection tactics.

Debt collectors in Kansas City and across the nation must:

  • Contact you between 8:00 am and 9:00 pm.
  • Say who they are when phoning you.
  • Under no circumstances make threats of bodily injury.
  • Never make threats to trash your reputation.
  • Never make threats to file suit against you or have you convicted of a crime.

To find out more, please go to: FDCPA.

  • A/R Recovery, PO Box 30420, 64112-4420
  • CBF Commercial Collections, Inc., 8800 NW 112th St, Bank of Weston Bldg., #301,, 64153-1104
  • ML Advance, Inc., 8080 Ward Pkwy Ste 305, 64114-2020
  • NovaStar Mortgage, Inc., 8140 Ward Parkway #200, 64114
  • Personalized Collection Services, 10715 College Ave, 64137-1742

Kansas City Credit Repair