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Credit Repair

Credit Repair – New York (NY)

Credit Repair in New York NY

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Even though average credit score in New York is 762, an estimated 20% of New York residents are estimated to suffer from a bad credit score. We have built relationships with the most reputable credit repair specialists in New York, NY, who want to help you raise your credit rating, reduce your home interest rates, and qualify for anything from car and truck loans to home mortgages.

New York Credit Repair Advantages

Here at Credit Repair Zoom, we have partnered with trusted New York credit repair pros who can begin improving your credit rating, from checking for problems to filing disputes to requesting new lines of credit.

Your FCRA Rights

Credit Repair New York NY

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The Fair Credit Reporting Act, also known as the FCRA, obligates credit bureaus to update or delete details on your credit report that are erroneous, incomplete, or can’t be confirmed.

Without having the FCRA, the credit reporting agencies might not have to edit your credit profile.

Debt validation has become an effective weapon against deceitful debt collectors in New York. This entails contesting the validity of a debt being collected. The collector should produce evidence that you owe the debt, and evidence that they currently hold the debt.

Neglecting to provide you with this information in a timely manner could mean loss in the ability to collect the debt. On top of that, the collector will be obligated to have the debt removed from your credit file.

Credit Scores in New York

If you want to go ahead and see your credit report on your own, you can do this for free through www.annualcreditreport.com. However, it’s freely available just once per year. If the website wants you to pay for your credit report, you are not in the right place.

One’s own credit file can be tricky to fully comprehend, so you’ll want to get in touch with a qualified New York credit repair attorney.

Credit Stats: New York

You aren’t the only one in need of credit repair. New York residents may have average credit ratings of 762; even so, more than 1 in 5 New York residents have below-average credit. The average debt per capita is $24,430, which is $112 less than the US average. The typical New York inhabitant has 2.21 active credit lines and 0.35 past due payments. New York inhabitants are at 72.11% of their credit limit.

Credit Counseling in New York, NY

Folks with unfavorable credit ratings can often benefit from credit counseling. Whereas credit repair is a quick way to enhance your credit, credit counseling is focused on debt help and financial education.

Just how much is this going to cost you? Generally $35 or less each month. Credit counseling firms obtain a commission on the funds paid to your creditors.

Choosing The Right Company for Credit Repair in New York

The truth is, the credit repair business used to be rife with deceitful firms.

Here I will discuss a handful of ways to recognize a fly-by-night credit repair provider in New York:

  • They try to have you lie on your credit file.
  • They guarantee that they can get unfavorable debts eliminated from your credit score.
  • They demand that you pay right off the bat.

All of these activities aren’t allowed under the Credit Repair Organizations Act, which was passed in 1996.

Credit Counseling and Repair Firms: New York, NY

  • American Credit Alliance, 137 E 56th St, 10022
  • Budget Credit & Counseling, 55 5th Ave, 10003
  • Consumer Credit Counseling Service of Southern NY, 120 Beach 220th St, 11697
  • Credit Bureau Inc, 20 Bay Ave, 11230
  • Credit Counseling, 224 Thompson St, 10012
  • International Credit Facility Inc, 1350 Broadway, 10018
  • Ny Credit Advisors, 230 Park Ave, Rm 1150, 10017
  • Credit Advocate Counseling Crp, 237 1st Ave, #305, 10003
  • Consumer Credit Counseling, 231 E 53rd St, 10022
  • Credit Advocate Counseling Corporation, 237 1st Ave, Ste 305, 10003
  • A American Credit and Debt Counseling Service, 60 Wall St, 10005
  • Credit Repair, , 07102
  • Credit Sights Incorporated, 460 Park Ave S, Fl 8, 10016
  • Consumer Credit Counseling, 1230 Avenue of the Americas, 10020
  • Real Estate Credit Card Services, , 07102

New York Debt Collector Harassment

The Fair Debt Collection Practices Act regulates the activities of collection agencies in New York and nationwide. Collectors should never:

  • Call you without stating who they are.
  • Make threats against your family members, friends, or reputation.
  • Insist that you shell out more than your debt.
  • Phone you constantly with payment demands.
  • Phone you between the hours of 9:00 pm to 8:00 am.
  • Cuss while going over your financial troubles.

For more information, please click: FDCPA.

Debt Collectors in New York (NY)

  • Adams, Stevens & Bradley Ltd., 350 5th Ave., Suite 2413, 10118-0001
  • Bilateral Credit Corporation, 141 W 28th St, 10001-6115
  • Erin Capital Management, 35 E 21st St, 10010-6212
  • ExlService.Com (India) Private Limited, 350 Park Avenue 10th Floor, 10022-6022
  • Hill Top Collections, Inc., 38 W 32nd St Ste 1510, 10001-3875
  • Lyon Collection Services, Inc., 330 7th Ave., 16th FL, 10001-5010
  • National Credit Systems, Inc., 117 E 24th St Fl 5, 10010-2937
  • National One Credit Corp., 316 5th Ave Ste 403, 10001
  • Plaza Associates, 370 7th Ave Ste 1201, 10001-3912

Repair Credit New York NY