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Credit Repair

Credit Repair – Seattle (WA)

Credit Repair in Seattle WA

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If you live in Seattle, you know that securing any sort of loan is now more difficult than ever. This is really the case for people who have less-than-perfect credit. We specialize in credit repair for Seattle residents.

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DIY credit repair is a serious headache. At Credit Repair Zoom, we connect you with honest experts that are ready to:

  • Inspect your credit file for inaccuracies and fraud.
  • Submit disputes with Experian, Transunion, and/or Equifax.
  • Deliver or encourage credit counseling assistance.
  • Make it easier to satisfy bank guidelines for auto and mortgages.

Out of the 806,438 inhabitants of Seattle, almost 80% have mistakes on their credit files. That’s 645,150 people!

Commonly seen credit report errors can include:

  • Bad entries that are not your own.
  • Wrong credit limits.
  • Balances reported as anything besides current if you paid back the debt in full.
  • Balances that are still listed as unsettled that were involved in a bankruptcy.
  • Bad items older than 84 months that should have disappeared from your report.

Your Right to Credit Repair

The Fair Credit Reporting Act, established in 1970, obligates credit reporting agencies to alter or delete listings on your credit file that are incorrect, not complete, or unverifiable.

In this way, the FCRA forms the core of credit repair, as it ensures that credit agencies get rid of incorrect entries.

Your Seattle credit repair organization will likely help you with debt verification. This is when you find out whether or not a collector really has the ability to collect your debt, and it is your right according to FDCPA. The debt collector should furnish proof that you owe the debt, and evidence that they do indeed hold the debt.

Neglecting to supply this data in a timely manner could result in loss of the right to collect the debt. Moreover, the collections agency is typically required to get the debt cleared from your credit profile.

Credit Reports in Seattle

You will find plenty of websites that want to charge you to check your credit ratings, but every year residents of Seattle, just like all Americans, are entitled to download a copy of each credit report for free. It’s simple, just click the link: www.annualcreditreport.com. If the website asks you to provide payment for this, you’re not in the right place.

One’s own credit history can be difficult to interpret. That’s why you’ll want to speak to a knowledgeable Seattle credit repair agent.

Seattle Credit Data

Check out the following Seattle credit statistics:

  • Credit Score: 776
  • Credit Score Ranking: 13th
  • Debt Per Capita: $26,720
  • Credit Utilization: 69.36%
  • Overdue Payments: 0.34

Credit Counseling: Seattle, WA

Credit counseling is different from credit repair. Credit repair and counseling can each increase your credit scores.

Generally, this entails enrollment in one of the Debt Management Plans in Seattle. With a Debt Management Plan, your credit counseling company will create a payment schedule for you. They will then obtain just one check from you monthly and pay your debt collectors on schedule.

A credit counseling service may be able to help you repay your debts and start re-establishing your credit in as little as 36 months.

Credit Repair Companies in Seattle (WA)

These are some of the prominent credit repair services in Seattle:

  • Construction Credit Corporation, 100 S King St, 98104
  • Consumer Credit Counseling Service, 4220 Aurora Ave N, 98103
  • Credit Counseling Centers of America, 1503 3rd Ave W, 98119
  • Essex Credit Corporation, 901 Fairview Ave N, 98109
  • Essex Credit Corporation, 9030 Seward Park Ave S, 98118
  • Consumer Credit Counseling Service, , 98052
  • Seattle Credit Repair, 330 Cherry St, 98104
  • Credit Repair Seattle, 152 Ward St, 98109
  • Capital Credit Enhancement Group, 701 5th Ave, #4200, 98104
  • Credit Counseling, 655 SW 152nd St, 98166

Have a look at this list of Seattle collection agencies.

  • A.C.S. (Allied Credit Services, Inc.), 1240 NE 175th St Ste C, 98155-5145
  • AMG Financial, LLC, 1425 4th Ave., Suite 820, 98101
  • Associated Credit Service, Inc., 1539 NE 177th St Ste C, 98155-5279
  • Drico Recovery Services, 4719 University Way N.E., Ste. 201, 98105
  • Elliott Bay Adjustment Co., Inc., 10740 Meridian Ave. North, Suite 200, 98133
  • Marina Credit, Inc., 14618 24th Ave S, 98168-4203
  • Northwestern Collection Service, Inc., 13500 Lake City Way NE, 98125-8301
  • Physicians & Dentists Credit Bureau, Inc., 12720 Gateway Dr Ste 206, 98168-3333
  • Professional Collection Agencies International, Inc., 15111 8th Ave SW Ste 300, 98166-2258
  • U.C.S. Inc., 720 3rd Ave Ste 2210, 98104-1869

Seattle Credit Repair