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Credit Repair

Rhode Island Credit Repair (RI)

Are you thinking about credit repair? Rhode Island consumers are increasingly coming to us to raise their credit scores. Fortunately, repairing your credit is quick, easy, and hassle-free – if you utilize our service.

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Credit Repair in Rhode Island: The Details

Credit Repair RI

Free Credit Scores!

To start, it is important to email a copy of your tri-bureau credit report. This is a credit report from each of the three agencies: Equifax, Experian, and Transunion. They will painstakingly analyze your report for harmful discrepancies, as well as strategies to boost your credit scores. Next they will work to have this stuff corrected on your file. They have years of practical knowledge ensuring items like these are cleaned up and removed. The majority of Rhode Island credit repair companies we work with are also able to assist in loan acceptance.

Are you aware that 842,054 consumers in Rhode Island have errors on their credit files? That’s around 4 out of 5 men and women.

Listed below are the most commonly seen issues that credit repair experts tend to find:

  • Overdue payments and other negative items that are not yours.
  • Credit limits published as less than they should be.
  • Accounts posted as settled, paid charge-off or anything besides current if you paid by the due date and in full.
  • Balances that continue to be recorded as overdue that were part of a bankruptcy.
  • Bad entries older than 7 years which should have been removed from your report by now.

Validating Your Debts in Rhode Island

Since 1978, Americans have been protected by the Fair Debt Collection Practices Act (FDCPA), which not only protects you from unethical debt collectors, but also provides you with rights which are crucial when it comes to credit repair.

Have you heard about debt verification? This is a formidable tool with regard to repairing credit in Rhode Island, particularly when you’re up against demanding debt collectors. Being a consumer, you can challenge the veracity of a debt being collected.

The collector should provide proof that you owe the debt, and proof that they do hold the debt.

Neglecting to present you with these records on time could mean loss of the ability to collect the debt. What’s more, the collector may be required to have the debt removed from your credit profile.

Credit Scores For Rhode Island Residents

Did you know that you can check your credit report free of cost every year at www.annualcreditreport.com? If the site requires you to enter a credit card number, you’re not in the right place.

Bear in mind that this report isn’t going to show you your credit ratings, which can be disappointing. That said, if you get in touch with a credit repair consultant today, they don’t just review your credit file – also they’ll provide you with your credit scores too – for free!

Credit Stats: Rhode Island

Consider the following Rhode Island credit figures:

  • Credit Rating: 692
  • Credit Record Errors: 842,054
  • People with Bad Credit: 263,142

Turbocharging Your Credit Scores in RI

Improve Credit Scores Rhode Island

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There are all kinds of other ways to maximize your score.

Let’s look at some of the biggest score savers:

  • No delinquent payments
  • Low credit utilization (30%)
  • Few opened or closed credit accounts

Debt Settlement vs Credit Repair in Rhode Island

Debt Settlement Rhode Island

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Should you want to maximize your credit rating, debt settlement just isn’t an appropriate choice. Credit repair, however, is. Debt settlement is a potentially viable strategy if you have valid unsecured debts that you are unable to pay. Meanwhile, credit repair questions the validity of selected debts appearing in your credit file. Debt settlement works best for those who want to get rid of credit card debt. It’s not for people planning to elevate their credit score.

Credit Repair Scams in RI

In accordance with the CROA (Credit Repair Organizations Act), your Rhode Island credit repair agency can’t:

  • Impose a fee until providing assistance.
  • Guarantee the removal of bad items on your credit report.
  • Ask you to set up a new credit file.

Credit Repair in Your City