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Credit Repair

Credit Repair – Youngstown (OH)

Even if the average credit score in Youngstown is 751, over 20% of Youngstown residents are thought to have a credit score of 620 or lower. The advantages of fixing your credit can be major:

  • Enhanced Chances of Loan Approval
  • Reduced APR’s
  • Cheaper Insurance Premiums
  • Improved Work Prospects

>> Contact us for Your Free Assessment

After you contact us for your evaluation, we’ll match you to a credit professional in less than a day. You will probably need to email them a copy of your three bureau credit report, which includes information from each one of the three agencies: Equifax, Experian, and Transunion. They will meticulously review your record for unfavorable inaccuracies and how to increase your FICO ratings. They will then work to have these items taken off your credit file. They have years of practical knowledge making sure things such as these get eliminated. Most of the credit repair companies in Youngstown, OH, we recommend also offer credit counseling.

Here are a few types of errors that credit repair professionals will be looking for:

  • Past due payments, charge-offs, collections or other negative items that are not yours.
  • Credit limits noted as less than they should be.
  • Entries recorded as anything besides paid as agreed if you repaid the debt as agreed.
  • Balances shown as unpaid that were included in a bankruptcy.
  • Adverse items older than 84 months that should have been erased from your report automatically.

Youngstown Credit Repair

Credit Repair Companies Youngstown OH

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In accordance with the Fair Credit Reporting Act (FCRA, credit bureaus have to alter or remove listings on your credit file that are

  • Inaccurate
  • Out of date
  • Unable to be validated

Obviously, this is integral to credit repair.

Debt validation has become a formidable means of battling underhanded collectors in Youngstown. As a consumer, you may verify the legitimacy of a debt that’s in collections.

If the collection agency does not answer back, they lose the authority to collect on it. Best of all, they must get the debt deleted from your credit profile.

Credit Scores in Youngstown

If you’d like to pull your credit report on your own, this may be done for free through www.annualcreditreport.com. Everyone in not only Youngstown, but throughout the country has this ability. However, you can only do so annually. The credit reports from this website will include your:

  • Debt Balances
  • Credit Accounts
  • Payment History

If there’s something bizarre on your credit report, you should probably contact a credit repair attorney in Youngstown for a free review.

Credit Stats for Youngstown

Have a look at these Youngstown credit figures:

  • Credit Score: 751
  • Credit Score Rank: 65th
  • Debt Per Capita: $23,493
  • Credit Utilization: 73.59%
  • Overdue Payments: 0.5

Credit Counseling in Youngstown, OH

Credit counseling differs from credit repair. While credit repair is a means of quickly maximizing your credit report, credit counseling is aimed at help with debt and financial education.

Managing debt is a vital element of credit counseling in Youngstown and across the nation.

With a Debt Management Plan in Youngstown, your credit card companies can be asked to lock up the interest rate you must pay, and all of your monthly payments will be combined into one single amount you give to your Youngstown credit counseling program.

Just how much is this going to run you? Normally $35 or less every month. Credit counseling agencies receive a commission on the payments made to your creditors.

Credit Repair and Counseling Businesses in Youngstown (OH)

These are a few of the top credit repair firms in Youngstown:

Youngstown Debt Collector Abuses

Unfortunately, many collection agencies routinely threaten borrowers. Collectors aren’t permitted to:

  • Call you without identifying themselves.
  • Threaten your loved ones or friends.
  • Threaten to wreck your good name.
  • Require that you pay crazy fees.
  • Call you over and over demanding payment.
  • Contact you from 9:00 pm to 8:00 am.
  • Make use of profanity while speaking about your financial troubles.
  • Post you on a list of late borrowers

For more information, please visit: Fair Debt Collection Practices Act.

These are some of the top collectors in Youngstown.