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Credit Repair

Credit Repair – Dallas (TX)

Looking to repair your credit and raise your credit rating? Credit repair is quick, easy, and convenient when you utilize our service.

>> Request a Credit Repair Quote – it’s Free!

After you register online for an assessment, we can connect you with a credit expert. You may need to forward them a copy of your tri-bureau credit report. They’ll painstakingly review your record for detrimental errors, along with ways to enhance your credit scores, and manage any and all disputes to get this stuff corrected on your record. They are authorities when it comes to ensuring items like these get cleared. A lot of the credit repair agencies in Dallas, TX, we work with are also able to help with vehicle and home loan approvals.

Let’s look at the most commonly seen mistakes that credit repair professionals come across:

  • Negative items that are not your own.
  • Incorrectly low credit limits.
  • Debts posted as anything aside from current if you repaid the debt in full.
  • Debts listed as unsettled that were included in a bankruptcy.
  • Bad entries older than 84 months which should have disappeared from your report.

Let’s consider another central facet of credit repair: debt verification. This is especially valuable whenever you find strange collections entries in your credit file.

Under the FDCPA (Fair Debt Collection Practices Act), you have the ability to challenge whether any debt is in fact valid. If the collector doesn’t answer back within 4 weeks, they lose the ability to collect on it and must get the listing removed from your credit history.

PFD Agreements in Dallas

Credit Repair in Dallas TX

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Have you heard about pay for delete? You shouldn’t get too enthusiastic. It was possible to send a pay for delete letter to your Dallas collection agency proposing a specific amount of money. If they agreed to your offer, they would eliminate the bad listing from your credit score for the proposed amount. Of course, PFD results in clean credit reports. Since the credit agencies are paid to supply accurate credit scores, they disapprove of these agreements and even take action against collectors who take part in it. If your collector will consider a pay for delete agreement, have in mind these tips:

  • Demand a written agreement.
  • Be aware that listings from the principal lender will not be eliminated.
  • A pay for delete proposal could quite possibly revive dormant collections activities.

Credit repair firms can teach you about these solutions and others to improve your credit scores.

Many credit repair providers just bill you on a per-month basis, often without any binding commitments, and most trusted businesses give you refund assurances.

Dallas Credit Data

You’re not alone in needing credit repair. Dallas residents may have average credit scores of 722; nonetheless, more than 1 in 5 of the city’s individuals have below-average credit. The average debt per person is $26,289, which is $1,747 more than the national average. The average consumer in Dallas has 1.81 active credit lines and 0.6 missed payments. When it comes to credit utilization, Dallas residents are only using 70.02% of their available credit.

Let’s look at additional ways to increase your score. First of all, you might want to reduce your credit utilization, which means making an effort to keep your credit card debts to 30% of your credit limit. Next, make all of your payments promptly. You should not get rid of any credit card accounts. Finally, you don’t want to apply for several new credit cards at once.

Credit Repair vs Debt Settlement in Dallas

Debt Settlement Dallas TX

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Have you been trying to choose between credit repair and debt settlement in Dallas?

Dallas credit repair agencies endeavor to have negative listings erased from your credit history, that should not be there. By contrast, debt settlement involves genuine debts that you want settled.

Debt settlement is for those that want to get rid of credit card debt. It’s not for people aiming to elevate their credit scores.

Choosing The Right Company for Credit Repair in Dallas

Happily, now there is legislation to protect people who’ve got below-average credit in Dallas and across the nation. Specifically, it’s called the Credit Repair Organizations Act. It restricts credit repair outfits from asking clients to pay up front, setting up dishonest credit histories, guaranteeing unrealistic benefits, and other underhanded techniques.

Credit Counseling and Repair Agencies: Dallas, TX

  • Consumer Credit Counseling Service, 14110 Dallas Pky, 75254
  • Credit Counseling Centers Of America, 9330 Lbj Fwy, 75243
  • Consumer Credit Counseling Service, 400 S Zang Blvd, #1004, 75208
  • Consumer Credit Counseling Service, 8737 King George Dr, #200, 75235
  • Consumer Credit Counseling Service Of Greater Dallas Inc, 8737 King George Dr, 75235
  • Consumer Credit Counseling Service Of Greater Dallas Inc – Oak Cliff, 400 South Zang Boulevard Frnt, 75208
  • Credit Disputes & Financing, 4300 N Central Expy, #205, 75206
  • Fresh Outhlook Credit Services, 1219 Abrams Rd, 75214
  • Instant Credit Venta de Computadoras, 2534 Royal Ln, 75229
  • Reliable Credit Repair, 527 W Jefferson Blvd, 75208
  • Resource Credit Corporation, 4347 W Northwest Hwy, #911, 75220
  • MCS Consumer Credit Research, 8111 Lbj Fwy, #840, 75240
  • A-1 Credit, 501 Wynnewood Plz, #201, 75224
  • Commonwealth Credit Repair, 5050 Quorum Dr, 75254
  • Credit Alliance Group, 2807 Allen St, 75204
  • Credit Repair for LIFE, 18208 Preston Rd, Ste D9-203, 75252
  • Credit Results, Incorporated, 12300 Ford Rd, #125, 75234
  • Gateway Credit Connection, 15770 Dallas Pky, 75248
  • Consumer Credit Counseling Service of Greater Dallas Incorporated, 14110 Dallas Pky, #280, 75254
  • Consumer Credit Counseling Service, 17440 Dallas Pky, #134, 75287
  • JBR Credit Services, LLC, 6780 Abrams Rd, #103-152, 75231
  • Credit Solutions, 12700 Park Central Dr, #9, 75251
  • Debt Consolidation-Consumer Credit Counseling Dallas, 8057 Cedar Springs Rd, 75235
  • First Stone Credit Counseling, 4372 Spring Valley Rd, 75244
  • Henley & Henley Credit Law, 2205 N Henderson Ave, 75206
  • Americredit, 13800 Diplomat Dr, 75234
  • Consumer Credit Counseling, , 75001
  • Consumer Credit Counseling, , 75001
  • JC Penny Credit Service Center, 12712 Park Central Dr, 75251
  • Alexander Credit, 7557 Rambler Rd, #700, 75231
  • Critical Credit Repair, , 75001
  • Montoya, Gabe Credit Exp – Nova Credit Solutions, 2906 E Ledbetter Dr, #120, 75216

Check out this list of Dallas collectors.

  • Commercial Recovery Systems, 8035 E R L Thornton Fwy., Suite 220, 75228-7018
  • Credit Adjustment Service, 8035 E R L Thornton Fwy Ste 307, 75228-7066
  • Allied Collection Service, Inc., 4230 L.B.J. Fwy., Suite 407, 75244-5882
  • Allied Interstate, Inc., 12655 N Central Expy Ste 925, 75243-1747
  • Anderson, Crenshaw & Associates, L.L.C., 12801 N Central Expy Ste 250, 75243-1716
  • Blalack & Williams, 1420 W Mockingbird Ln Ste 640, 75247-4995
  • CCA – MBI, 4099 McEwen Rd Ste 700, 75244-5030
  • Credit Protection Association, LP, 13355 Noel Rd Ste 2100, 75240-6837
  • D-MED Corporation, 5151 Belt Line Rd Ste 1125, 75254-6763
  • Dallas International Services Company, 4011 Joseph Hardin Dr Ste D, 75236-1531
  • Hudson & Keyse, LLC, 2911 Turtle Creek Blvd # 225, 75219-6223
  • Infinite Business Solutions Inc, 11651 Plano Rd Ste 100, 75243-5217
  • JSZ Financial Co., Inc., 5421 Alpha Rd Ste 101, 75240-4586
  • LML Payment Systems Corp., 1330 River Bend Dr Ste 600, 75247-4953
  • Lockhart, Morris & Montgomery, Inc., 4722 McKinney Ave, 75205-3588
  • National Creditors Association, Inc., 4445 Alpha road., suite # 103, 75244
  • Pro Collect Inc., 9550 Forest Ln Ste 420, 75243-6178
  • Resident Data Financial, LLC, 12770 Coit Rd Ste 1000, 75251-1348
  • RS Clark and Associates, Inc., 8535 Ferndale, Suite 11, 75238
  • Skip Chase International, Inc., 10610 Metric Dr., Suite 114, 75243
  • The KL Martin Firm, PLLC, 4144 N Central Expy Ste 600, 75204-3131