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Credit Repair

Credit Repair – Norfolk (VA)

Credit Repair in Norfolk VA

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Would you like to fix your credit and boost your credit scores? We can match you with a trusted Norfolk credit repair specialist, whether you need credit repair for auto loans, mortgage loans, or simply to improve your credit rating.

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Here at Credit Repair Zoom, we connect you with highly regarded experts that will provide you with a detailed action plan. They’ll spot credit problems that you would probably fail to see, and they know how to ensure these errors are removed by the credit agencies. When you need a car or mortgage loan, many credit repair companies will even put together a lawyer’s recommendation letter for your loan officer!

Here are the most commonly seen credit report issues:

  • Past due payments, charge-offs or some other negative listings that are not your own.
  • Inaccurately small credit limits.
  • Accounts shown as settled or anything other than current if you paid regularly and in full.
  • Balances displayed as overdue that were part of a bankruptcy.
  • Negative entries older than seven years that should have disappeared from your report by now.

The FDCPA and Credit Repair in Norfolk

Since 1978, Americans have been protected by the Fair Debt Collection Practices Act (FDCPA), which not only defends you from unethical debt collection practices, but also gives you liberties that are important when it comes to credit repair.

Are collection agencies hassling you? If so, you should know about debt verification.

This entails questioning the veracity of a debt being collected.

If the collections agency neglects to validate the debt, they lose the legal right to collect on it. Even better, they must not keep the debt from your credit report.

Credit Reports For Norfolk Residents

If you want to check your credit report yourself, you can head to www.annualcreditreport.com, but it’s freely available just once a year. The credit files from this site will include things like your credit accounts, debts, and payment records.

Oftentimes, people discover bizarre listings on their credit file, like Norfolk collection agencies. In these cases, it is best to speak with a credit repair professional in your city.

Norfolk Credit Repair

Norfolk Credit Statistics

On average, Norfolk residents have a credit rating of 740, making the city 89th nationally. On average, debt per capita is $25,997. That’s $1,455 more than the nation’s average. The typical Norfolk inhabitant has 1.77 active credit lines and 0.5 past due payments. Norfolk inhabitants are at 65.78% of their credit limit.

Credit Counseling in Norfolk, VA

Credit counseling is different from credit repair in several ways. Norfolk credit counselors will educate you on ways to remedy your existing financial headaches, and plan for your financial future.

Consumers who’ve got severe debt may be a candidate for a Debt Management Plan, or DMPdebt management.

If you enroll in a Debt Management Plan in Norfolk, you will make a payment every month to your Norfolk credit counseling agency, and they will pay your lenders on time.

Quite a few credit counseling companies are non-profits, and better yet, some do not make you pay for their expertise.

Pinpointing Credit Repair Scams in Norfolk

Sadly, the credit repair industry has a reputation for being filled with bogus providers.

Here I will discuss a handful of ways to recognize a sketchy credit repair organization in Norfolk:

  • They want you to establish a totally new credit file.
  • They guarantee that they will have damaging debts erased from your credit file.
  • They try to charge you right off the bat.

These tactics are forbidden by the Credit Repair Organizations Act.

Credit Repair and Counseling Businesses in Norfolk (VA)

Below are several of the prominent credit repair services in Norfolk.

  • ABNB Federal Credit Union – NAB West Side Branch, 2525 Midway Rd, 23521
  • Consumer Credit Counseling Service Of Va & Se Md – Norfolk, 710 E Little Creek Rd, 23518
  • Virginia Consumer Credit Counseling, 219 W Ocean View Ave, #9, 23503

Norfolk Collection Agency Abuses

Despite the FDCPA, many collection agencies repeatedly threaten consumers and practice criminal collections tactics.

Collectors should:

  • Contact you only between the hours of 8:00 am and 9:00 pm.
  • State their name when contacting you.
  • Under no circumstances threaten you with bodily harm or destruction of your community standing.
  • Not threaten to sue you or have you put in jail.

These are just a handful of the guidelines set by the Fair Debt Collection Practices Act.

To read more, check out: Fair Debt Collection Practices Act.

Collectors in Norfolk, VA

Here are a handful of the leading collection agencies in your area:

  • Portfolio Recovery Associates, LLC, 120 Corporate Blvd Ste 100, 23502-4962
  • Tidewater Consumer Credit Corporation, 420 N Center Dr Bldg 11 Ste 140, 23502-4007

Repairing Credit in Norfolk VA