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The citizens of Memphis, Tennessee, aren’t in the most enviable of financial situations. Memphis has a higher unemployment rate and sales tax than the US average which affects its citizens’ overall buying power. Add financial institutions looking to benefit from exorbitant interest rates to the mix, and you get a highly unfavorable economic climate. The situation might seem helpless, but it’s not. That’s what they want you to think. In reality, there is something you can do — you can get the best Memphis credit repair service there is.
There are thousands of people who need credit repair in Memphis TN. You are not alone in this. The economic situation hasn’t been the greatest these past few years. Regardless of how careful you’ve been, a single unforeseen event can set you back way more than you could have expected.
That’s the case with most people in Memphis. And now, because of factors you absolutely had no control over, your buying power is suffering. All the negative items on your credit report are taking their toll on your finances. However, there is a way out. You need the best credit repair company you can find in Memphis.
We are White, Jacobs and Associates, and we offer the type of credit repair services you deserve.
It’s possible that we aren’t the first credit repair agency you’ve come across in Memphis. But we are the only one that does credit repair the right way! How can we know that? Because we’ve seen how other credit repair agencies operate, and how they make their money. They leech off of hard-working people who need legitimate credit repair. In that regard, they’re no better than your creditors who want to squeeze every last cent out of you.
At WJA, we don’t want to waste anybody’s time. If we can help you, we’ll do everything to make it happen. If not, we’ll let you know either way.
A bad credit score will effectively increase the interest you have to pay on your loans. Financial institutions will see your credit score and decide that you’re a high-risk borrower. So they’ll slap a huge interest rate on your loan to “make up for the risk of lending your money.” Of course, that’s just another case of plain extortion, and you should not agree to such a deal.
Naturally, they count on people needing those loans very badly and know most everyone will accept their unreasonable interest rates. You’ll be overpaying whatever it is you’re buying, leaving less money for you to spend on other things. When you have an excellent credit score, you’ll actually get to keep your hard-earned cash instead of watching it dissolve in high-interest rates. The less money you spend on a loan, the more buying power you’ll have.
There are quite a few reasons as to why credit score goes bad. Missed or late payments do the most harm to your credit score by far. High credit utilization can also be very problematic, so avoid maxing out your credit card. Getting too close to the credit limit on a credit card sends wrong signals to financial institutions reviewing your reports. Stay as far from the limit as you possibly can, it will help your credit score.
A varied credit history with many different credit lines is actually a good sign. If you have too few items in your history, lenders won’t have enough information to go on. It will reflect poorly on your credit score and your total creditworthiness.
Unfortunately, stolen credit cards and identity theft often leave a lasting negative impact on your credit score.
In most cases, the fraudster will apply for new credit and max out the credit card. They won’t make the payments, so your credit score will keep taking hits on a monthly basis.
If you suspect you’ve been a victim of identity theft, file a police report, contact the companies where you think that the fraud occurred, and consider placing a one-year fraud alert on your credit reports.
Whatever the reason for your economic downturn and failing credit score, you must remember that it’s possible to fix the situation.
All you need are decent and efficient credit repair services such as the ones we provide. Talk to us, we’ll sort everything out.
The credit repair program revolves around disputing negative items on your credit reports. You can’t dispute accurate and correct items on your report. You can, however, go after all of the inaccurate items, or any negative items that accrued due to fraud. As we’ve pointed out, identity theft can be detrimental to your credit score. However, there are programs that can fix it.
While disputing items is all well and good, it’s not a sufficient strategy. Most other credit repair agencies tend to focus solely on sending automated dispute letters to your creditors. That’s a ridiculous strategy that gets few to no results.
FICO is the scoring method most commonly in use by lenders to determine your creditworthiness. The lowest credit score in the FICO range is 300, and the highest is 850. While FICO defines the “good” range as 670 to 739, you shouldn’t generally go below 700. Anything below that, and you could use credit repair.
That’s especially true if you plan on getting a loan any time soon. The higher your score, the better interest rate you’ll get on your loan.
Credit repair is legal in Memphis. Here’s a list of laws that protect you against unfair reporting practices:
It’s your right to try and fight inaccurately reported negative items!
Our credit repair process is fundamentally different from how everyone else is doing it.
We don’t just send dispute letters — we audit your creditors. In addition to that, we have an in-house law firm that can build a case against your creditors if they don’t want to see reason.
This aggressive approach is the core of our services. We don’t take kindly to lenders who refuse to acknowledge your rights to fair credit reporting.
It’s all part of our 4-round unique credit repair process. We actually have a strategy in place, unlike most other credit repair businesses.
When we audit your creditors, it means we’re asking for proof that they had the right to report a certain negative item. More often than not, they can’t meet our demands, so they have to remove the negative item.
There are many credit restoration scams going around. You need to be vigilant.
If a credit repair “business” is asking for you to pay anything up front, ignore them. They’re most likely trying to scam you.
Also, if a company claims they can fix your credit score by targeting accurately reported items besides the incorrect ones, you should give them wide berth. There’s no law that allows you to dispute accurate credit report items.
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