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Credit Repair

Credit Repair – Charleston (SC)

Credit Repair Companies Charleston SC

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Are you aware that the vast majority of credit reports are full of errors and discrepancies, some of which can prevent you from qualifying for car and home loans? The advantages of fixing your credit can be wide-ranging. They include:

  • Elevated Chances of Finance Acceptance
  • Minimized Loan Rates
  • Cheaper Car Insurance Rates
  • Better Work Options

>> Request a Credit Repair Consultation Now – it’s Free!

After you register for your evaluation, we match you with a credit expert. You will have to forward them your three bureau credit report. They will painstakingly evaluate your record for inaccuracies and how to increase your credit ratings. Next they will work to get these items taken off your file. They are experts when it comes to making sure inaccuracies like these get fixed. Most of the Charleston credit repair services we have partnered with can also assist in vehicle and mortgage loan approvals.

Here are the most typical credit report issues:

  • Unfavorable listings that aren’t your own.
  • Mistakenly small credit limits.
  • Entries stated as settled or anything apart from current if you paid punctually and in its entirety.
  • Debts that continue to be listed as outstanding that were involved in a bankruptcy case.
  • Negative entries older than 7 years which should have disappeared from your report by now.

Your FDCPA Rights

Since 1978, borrowers have been protected by the FDCPA (Fair Debt Collection Practices Act), which not only defends you from illegal debt collection agencies, but also provides you with certain privileges that are vital for repairing your credit.

Your Charleston credit repair company will likely help you to validate your debts. This means ensuring whether a debt is legal.

If the debt collector doesn’t provide the required response within thirty days, they lose the legal right to collect it. Better yet, they must eliminate the collection listing from your credit file.

Credit Reports in Charleston

Were you aware that you can check your credit report free of charge every year through www.annualcreditreport.com? In order to secure your credit report through this site, you’ll be asked to give your SSN, but no payment information is needed.

Remember that this doesn’t give you your credit scores, which can be disappointing. However, if you get in touch with a credit consultant we recommend, your credit evaluation will provide you with your credit rating. What’s even better, it’s at no cost!

Credit Statistics in Charleston

Are you aware that the average credit score in Charleston is 731? This means Charleston ranks 106th among US cities in terms of credit rating. The average debt per person is $26,391. That’s $1,849 more than the nation’s average. The average consumer in Charleston has 1.72 active credit lines and 0.53 missed payments. When it comes to credit utilization, Charleston residents have 66.2% of their credit available.

Improve Credit Scores Charleston SC

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Sophisticated methods like debt verification and PFD are good for repairing your credit, but there are other ways to raise your credit report score.

Let us take a look at a few of the most essential ways to boost your credit score:

  • Few late payments
  • Minimal credit utilization (30%)
  • Few opened or closed credit accounts

Credit Counseling in Charleston, SC

Credit counseling is different from credit repair. Whereas credit repair is a quick way to improve your credit rating, credit counseling concentrates on debt management and financial education.

Exactly how much is this going to run you? Typically $30 or less monthly. Credit counseling firms end up with a percentage of the payments made to your creditors.

Credit Counseling and Repair Companies: Charleston (SC)

  • Consumer Credit Counseling, 4925 Lacross Rd, 29406
  • Beacon Credit Services, 19 Forde Row, 29412

Check out this list of Charleston collection agencies.

  • Credit Adjustment Bureau, 2230 Technical Pkwy, 29406-4930

Charleston Credit Repair