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Credit Repair

Credit Repair – Wichita Falls (TX)

Were you aware that the majority of credit reports have mistakes and inaccuracies, many of which can keep you from qualifying for car and home loans?

We’re the authority with regard to credit repair in Wichita Falls, TX.

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First of all, you will need to forward your credit repair agent your tri-bureau credit report. This is a report from each of the three bureaus:

  • Equifax
  • Transunion
  • Experian

Then your credit repair specialist will carefully assess your file for inaccuracies, as well as ways to optimize your credit ratings, and work to get these items removed from your report. They are experts when it comes to ensuring things such as these get remedied. A lot of the Wichita Falls credit repair agencies we have partnered with can provide credit counseling.

As indicated by the latest research, 80% of the consumers residing in Wichita Falls have errors on their credit history. That’s 86,946 men and women!

The FDCPA and Credit Repair in Wichita Falls

Since 1978, consumers have been covered by the Fair Debt Collection Practices Act (FDCPA), which not only protects you from illegal debt collection agencies, but also gives you legal rights that happen to be critical for repairing your credit.

Have you been hassled by debt collectors? Then you’ll want to be familiar with debt validation.

This means ensuring whether a debt is legitimate or not.

If the collections agency doesn’t verify the debt within four weeks, they cannot collect it and must clear the collection listing from your credit report.

PFD Deals in Wichita Falls

Credit Repair Companies Wichita Falls TX

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The credit bureaus want to discourage pay for delete arrangements, but these contracts continue to take place. Always make sure to have the deal in some recoverable format. The second thing is, hang onto all letters. Last but not least, do not offer up more money than your budget allows.

Wichita Falls Credit Numbers

The average credit score in Wichita Falls is 722, which is 119th nationally. On average, debt per person is $24,012. That’s $530 less than the national average. The average consumer in Wichita Falls has 1.49 active credit lines and 0.52 late payments. Wichita Falls residents are at 70.13% of their credit limit.

Credit Repair Agencies: Wichita Falls, TX

  • Consumer Credit Counseling Service, 4210 Kell Blvd, 76309

These are a number of the leading collection agencies in the area:

  • Executive Services, 1200 Austin St, 76301-4623
  • Texhoma Financial Services, 2101 Kemp Blvd Ste A, 76309-4350