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Credit Repair

Credit Repair – Philadelphia (PA)

Bad credit can prevent you from financing a car, buying a home, even obtaining a job. On the plus side, it is possible to clean up your credit report and improve your ratings. We specialize in credit repair for home buyers, car buyers, and job seekers in Philadelphia.

>> Register for a Credit Repair Consultation!

Philadelphia Credit Repair Benefits

Here at Credit Repair Zoom, we have partnered with honest experts who will guide you through the process of fixing your credit:

  • Pinpointing Errors
  • Submitting Credit Disputes
  • Applying for New Credit

According to the latest research, 80% of Philadelphia residents have mistakes on their credit report. This is 1,214,439 men and women!

Repair Credit in Philadelphia PA

According to the Fair Credit Reporting Act, credit reporting agencies must update or delete items on your credit history that are wrong, incomplete, or unverifiable.

It goes without saying, this is key to credit repair, in view that it gives you the right to have your credit report revised.

Are you being hassled by debt collectors? Then you should find out about debt validation.

This means questioning if a debt is in fact genuine or not. The collections agency must supply evidence that you owe the debt, and evidence that they do indeed have the right to collect it.

Failing to provide you with these details in a timely manner could mean loss of the ability to collect the debt. Additionally, the debt collector might be obligated to get the debt taken off from your credit report.

Actually, repairing credit used to be a lot easier. That is primarily because pay for delete agreements were simple to get. It was possible to give what is often known as a pay for delete document to your Philadelphia collector, and if they accepted it, they would eliminate the negative item from your credit rating for the proposed amount. In today’s market, collection agencies can lose their debt reporting privileges for handing out a lot of pay for delete contracts. Be certain to talk about PFD with a credit repair specialist in Philadelphia. In spite of credit bureau policies, numerous collection agencies will play ball; however, they have to be contacted the right way.

Commonly people see improvements after 1 month. It would be even sooner, but this is the amount of time the credit agencies have to react. Typically you can cancel whenever you want.

Philadelphia Credit Statistics

You’re not alone in needing credit repair. Philadelphia residents have average credit scores of 760; on the other hand, more than 20% of the city’s inhabitants have bad credit. On average, debt per capita is $25,132 – $590 more than the nation’s average. The average consumer in Philadelphia has 1.95 active credit lines and 0.39 missed payments. Credit utilization is another important statistic. Philadelphia inhabitants are only using 72.25% of their available credit.

Boost Credit Scores Philadelphia PA

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There are a great many other ways to raise your credit report score.

  1. Lower your credit utilization.
  2. Make sure you keep your credit card balances to 30% of your borrowing limit.
  3. Avoid missed payments no matter what.
  4. Do not close any credit card accounts.
  5. Do not submit an application for different new credit accounts at once.

Debt Consolidation vs Credit Repair in Philadelphia?

Are you in $10,000 of debt, aside from less-than-perfect credit?

Consolidating your debt may just be the way to go.

But of course, there are a few drawbacks:

  • Good credit usually needed to obtain a debt consolidation loan.
  • Risk of home loss, as delinquent home equity loans are subject to foreclosures.
  • Potentially less financial shelter if you go bankrupt.
  • Companies might be sometimes unwilling to approve new home or auto loans while you’re going through a debt consolidation plan.

For people with bad credit in Philadelphia, credit counseling might be a better solution. You can often get the same perks as debt consolidation with no financing needed.

Credit Repair Scams in Philadelphia

Allow me to share just a few ways to recognize a questionable credit repair provider in Philadelphia:

  • They ask you to be dishonest on your credit file.
  • They guarantee that they can get damaging items eliminated from your credit score.
  • They try to charge you in advance.

These kinds of tactics aren’t acceptable according to the Credit Repair Organizations Act.

Credit Repair and Counseling Agencies in Philadelphia (PA)

Take a look at this list of Philadelphia credit repair agencies.

  • A Aaba Legal & Credit Counseling Pc, 1420 Walnut St, 19102
  • AAA Credit Counseling Inc, 1420 Walnut St, #318, 19102
  • Certified Credit Consulting, 1420 W Porter St, #3, 19145
  • Consumer Credit Counseling Service Of Delaware Valley, 1515 Market St, 19102
  • Credit Connection Inc, 6216 Charles St, 19135
  • Credit Repair Consultants, 6313 Rising Sun Ave, 19111
  • Credit Report Advocates, 2518 S Broad St, 19145
  • Credit Report Advocates, Darien Street Oregon A, 19102
  • Credit Reports Corrected LLP, 1701 S 9th St, 19148
  • Dsg Credits, 305 Market St, 19106
  • Fresh Start Credit Repair, 2700 Grant Ave, 19114
  • National Association of Credit Counselors, 4601 Market St, 19139
  • A to Z Credit Repair, 3858 Pulaski Ave, 19140
  • Consumer Credit Counseling Service, , 19001
  • Consumer Credit Counseling, 1500 Market St, 19102

Debt Collectors in Philadelphia (PA)

  • Academy Collection Service, Inc., 10965 Decatur Rd, 19154-3210
  • Academy Collection Service, Inc., 9350 Ashton Rd Ste 101, 19114-3464
  • FBCS, 841 E Hunting Park Ave # 865, 19124-4824
  • Linebarger Goggan Blair & Sampson, LLP, 4 Penn Ctr., 1600 JFK Blvd Ste 910, 19103-2808
  • Strategic Recovery Systems, Inc., 421 N. 7th St., Suite 701, 19123
  • Tate & Kirlin Associates, Inc., 2810 Southampton Rd, 19154-1207
  • Tate & Kirlin Associates, Inc., 6801 Frankford Ave, 19135-2100