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Credit Repair

Credit Repair – Milwaukee (WI)

Are you aware that the vast majority of credit files have mistakes and inaccuracies, some of which can keep you from getting approved for auto loans and mortgages?

We are the very best when it comes to credit repair in Milwaukee, WI.

The Basics of Credit Repair in Milwaukee

Credit Repair Milwaukee WI

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To start with, you will have to send your credit repair firm a copy of your tri-bureau credit report. This is a credit report from each one of the three agencies:

  • Equifax
  • Transunion
  • Experian

Then your credit repair specialist will closely review your record for detrimental discrepancies and strategies to improve your credit ratings, and skillfully coordinate any credit bureau disputes to have these items corrected on your credit report. They know how to get these records corrected. Many of the credit repair companies in Milwaukee, WI, we work with are also able to help with vehicle and mortgage loan approval.

Are you aware that 8 out of 10 reports have inaccuracies that could damage your credit score? Considering Milwaukee’s population of 821,015, this is roughly 656,812 errors!

Milwaukee Credit Repair

Verifying Debt in Milwaukee

Established in 1978, the Fair Debt Collection Practices Act (FDCPA) not only saves you from unfair debt collection agencies, but also grants you rights which are important for repairing your credit.

Debt validation is a powerful means of coping with unethical collectors in Milwaukee. Under the FDCPA (Fair Debt Collection Practices Act), you have the ability to challenge the legality of a debt. If the collection agency fails to authenticate the debt, they will be unable to collect it. Best of all, they must have the listing removed from your credit file.

Pay For Delete Agreements in Milwaukee

Credit Repair in Milwaukee WI

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Even though collectors aren’t as receptive to pay for delete contracts these days, these agreements still happen.

Given that debt collectors in Milwaukee buy debts at a portion of the amount owed pay for delete proposals can make them a quick profit, especially when the debt is past the statute of limitations to be collected.

Sounds great, don’t you think? But remember, anyone interested in pay for delete ought to abide by these recommendations:

  • Send all letters by certified mail.
  • Do not offer more than is within your budget.
  • Be certain to secure an approval letter.
  • Keep a record of all communication.

Commonly people begin seeing positive changes in around 30 days. It would be faster, but this affords each credit bureau sufficient time to reply. Typically you can cancel at any time.

Credit Statistics for Milwaukee

On average, Milwaukee residents have a credit score of 765, making the city 33rd nationwide. On average, debt per capita is $24,377, which is $165 less than the US average. The typical consumer in Milwaukee has 1.94 active credit lines and 0.47 overdue payments. Credit utilization is another important statistic. Milwaukee residents are only using 74.64% of their available credit.

Debt Settlement or Credit Repair in Milwaukee?

Debt Settlement Milwaukee WI

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Are you attempting to decide which solution is right for you, credit repair or debt settlement in Milwaukee?

Debt settlement is a potentially viable approach if you have real bills that you are unable to pay, while credit repair disputes the legality of specific debts appearing on your credit file. Debt negotiations are a substitute for bankruptcy, and it’s detrimental to your credit rating.

Credit Counseling and Repair Companies: Milwaukee, WI

  • Credit Solutions, 733 N Van Buren St, 53202
  • Consumer Credit Counseling Service, 4915 S Howell Ave, #102, 53207

Milwaukee Collector Abuses

The FDCPA governs the actions of debt collectors in Milwaukee and across the nation.

Collection agencies must:

  • Phone you between the hours of 8:00 am and 9:00 pm.
  • Identify themselves when phoning you.
  • Under no circumstances threaten you with bodily injury.
  • Never threaten to wreck your reputation.
  • Under no circumstances make threats to sue you.
  • Never say they’re going to throw you in jail.

To find out more, go to: Fair Debt Collection Practices Act.

Below are several of the prominent collectors in Milwaukee.

  • Account Recovery Service, Inc., 3031 N 114th St, 53222-4208
  • Central Collection Corporation, 10701 W North Ave, 53226
  • Federated Adjustment Co., Inc., 7929 N Port Washington Rd, 53217-3135
  • Med-Health Financial Services, Inc., 10200 W Innovation Dr Ste 100, 53226-4826
  • Professional Account Management LLC, 633 W Wisconsin Ave Ste 1600, 53203-1920
  • Professional Placement Services, LLC, 316 N. Milwaukee Street, Suite 410, 53202
  • Rausch, Sturm, Israel & Hornik, S.C., 2448 S 102nd St, 53227-2466
  • Recovery Solutions, Inc., 2525 N Mayfair Rd Ste 80, 53226-1403
  • Van Ru Credit Corporation, 11745 W Bradley Rd, 53224-2531

Repairing Credit in Milwaukee WI