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Credit Repair

Credit Repair – Portland (OR)

Even if the average credit rating in Portland is 768, more than 20% of the population is thought to suffer from a low credit score. We have joined forces with the most trusted credit repair agencies in Portland, OR, who want to help you increase your credit ratings, reduce your loan rates, and qualify for anything from vehicle financing to home mortgages.

At Credit Repair Zoom, we connect you with honest Portland credit repair specialists who are standing by to:

  • Check your credit reports for inaccuracies and fraudulent activity.
  • Register disputes with Experian, Transunion, and/or Equifax.
  • Deliver or suggest Portland debt management solutions.
  • Make it easier to fulfill lending company standards for auto and mortgages.

Do you know that 619,649 men and women in Portland have inaccuracies on their credit reports? That’s about 4 out of every 5 men and women.

Here are a few types of credit report errors:

  • Past due payments, charge-offs, collections and other negative listings that aren’t your own.
  • Wrong credit limits.
  • Balances reported as anything apart from paid as agreed if you paid back the debt on time.
  • Accounts that are still displayed as unsettled that were included in a bankruptcy.
  • Adverse listings older than 84 months that should have been taken off your report by now.

Repairing Credit Portland OR

Have you read about debt verification? This has become an effective approach with respect to credit repair in Portland, especially if you are facing overly aggressive debt collectors.

Being a consumer, you have the right to question if any debt is genuine. If the debt collector neglects to follow through within thirty days, they lose the right to collect it. Best of all, they must get the debt deleted from your credit report.

PFD Credit Repair in Portland

Have you read anything about pay for delete? Better not get too excited. This is an arrangement in which you pay your collector to get the bad entry removed from your credit profile.

Unfortunately, the credit bureaus started cracking down on the tactic. In spite of this, some collection agencies do still allow PFD arrangements.

Credit Stats: Portland

You’re not the only one needing credit repair. Portland residents have average credit ratings of 768, yet more than 20% of the city’s residents have unfavorable credit ratings. The debt per capita is $24,757. That’s $215 more than the nation’s average. The average Portland inhabitant has 1.84 active credit cards and 0.37 late payments. When it comes to credit utilization, Portland residents have around 71.7% of their credit available.

Boost Credit Scores Portland OR

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There are several ways to raise your credit.

Below are several of the primary items:

  • Few past due payments
  • Minimal credit utilization (30% is optimal)
  • Few opened or closed credit accounts

Credit Counseling: Portland, OR

Folks with less-than-perfect credit might also want to consider credit counseling. Portland credit counseling experts help people by:

  • Showing them how to manage their money more effectively.
  • Offering up solutions to existing financial issues.
  • Developing tailor-made budgets for their customers

Clients who’ve got severe debt may be a candidate for a Debt Management Plan (DMP)debt management. With debt management in Portland, your creditors can be asked to minimize the interest you pay, and all of your monthly bills will be consolidated into a single total.

Seeing as credit counseling specialists are compensated by your lenders, their services are usually cost effective to you, the consumer.

Credit Repair and Counseling Services: Portland (OR)

  • Consumer Credit Counseling Service of Oregon, 9955 SE Washington St, 97216
  • Credit Doctor, 17233 SE Division St, 97236
  • Moore Credit Services, 10211 SW Barbur Blvd, #209, 97219
  • Northwest CreditRepair, PO Box 23372, 97281
  • 123 Credit & Debt Counseling, 206 SW Morrison St, 97204
  • Consumer Credit Counseling, 1001 SW 5th Ave, 97204

Debt Collectors – Portland (OR)

  • Accent-Accounts Control Consultant Enterprises, Inc., 4520 SE Belmont St Ste 280, 97215-1668
  • Account Control Services, Inc., 3271 NE 158th Ave, 97230-4412
  • AmeriContinental Collect Company, 101 SW Market St, 97201-5701
  • Anderson & Associates Credit Services, LLC, 8700 SW 26th Ave #L, 97219
  • ASAP Collections Inc., 2400 SE Ankeny St, 97214-1725
  • Asset Recovery Group, Inc., 4520 SE Belmont St Ste 280, 97215-1668
  • Associated Credit Service, Inc. of Oregon, 950 Lloyd Ctr PMB 53, 97232-1262
  • Atlas Financial Services, 700 N Hayden Island Dr Ste 290, 97217-8172
  • Bonneville Billing & Collections, Inc., 4370 N.E. Halsey, #117, 97213
  • Capital Credit & Collection Service, Inc., 10200 SW Eastridge St Ste 201, 97225-5029
  • NACM-Oregon Service Company, 7931 NE Halsey St Ste 200, 97213-6755
  • Quick Collect, Inc., PO Box 55457, 97238-5457
  • Restore Financial Services Network, PO Box 20782, 97294
  • The Commercial Agency, 9115 SW Oleson Rd Ste 105, 97223-6876
  • Vanguard Adjustment Company, 8525 N Lombard St Ste 15, 97203-3156
  • Western Credit & Collection Service, Inc., 8383 NE Sandy Blvd, Suite 220, 97220-4948

Portland Credit Repair