Learn More Regarding Credit

FAIR CREDIT REPORTING ACT

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  •  In 1970, Congress passed the Fair Credit Reporting Act, allowing any American with a Social Security number to dispute any item on his or her credit report. As an industry leader specializing in credit restoration, Pro Credit Fixers utilizes the latest technology to ensure fast, accurate service. Pro Credit Fixers helps clients get the results they're looking for by assisting them in deleting inaccurate, erroneous, and obsolete items such as:

     *  Collections              *  Medical Bills     *  Late Payments       *  Charge Offs      *  Foreclosures        *  Repossessions       *  Public Records       * Bankruptcies       * Judgments             *  Tax Liens            * Student Loans       *  Past Due Bills    * Settlements           *  Many more...
     

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DEBT COLLECTOR HARASSMENT

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  •  Harassment by a debt collector can come in different forms but examples include repetitious phone calls intended to annoy or abuse, obscene language, and threats of violence.
    No harassment: The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.
    Some examples of harassment are: 
    * Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone* Obscene or profane language* Threats of violence or harm* Publishing lists of people who refuse to pay their debts (this does not include reporting information to a credit reporting company)* Calling you without telling you who they are
    Under the law, you can direct the debt collectors to stop contacting you and they must obey the direction. 

CREDIT REPORT PROBLEMS

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  •  Credit reporting agencies such as TransUnion, Experian and Equifax often error. In fact, about 80% of credit reports contain errors. Many of these errors will cause in a lower credit score resulting in denial of credit, high down payment, higher interest rates, higher insurance premiums, lost employment opportunities and more. 

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COMMON CAUSES FOR CREDIT REPORT ERRORS

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  •  When a credit report contains errors, it is often because the report is incomplete, or contains information about someone else. This typically happens because:
    The person applied for credit under different names (Robert Jones, Bob Jones, etc.). Someone made a clerical error in reading or entering name or address information from a hand-written application. The person gave an inaccurate Social Security number, or the number was misread by the lender.Loan or credit card payments were inadvertently applied to the wrong account. 

IDENTITY THEFT

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Learn more about the credit bureaus and credit repair and make your appointment today! Putting off your credit will only hurt more the longer you let it go.


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OTHER CAUSES FOR CREDIT REPORT ERRORS

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  •  Some creditors have collection departments that report payments several days and sometimes weeks after receiving a payment from you. Derogatory information that remains on a credit report for longer than seven (7) years. Bankruptcy information that remains on a credit report for longer than ten (10) years. Homes  being reported as foreclosures, when no foreclosure proceeding has ever been started by the lender. 

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