Credit Law Center

As a consumer, it is important to be educated about the process by which an actual collection agency attempts to collect debts as opposed to scam callers asking you to meet them at the nearest CVS with no real explanation and for a large sum of money. While it is legal for a debt collector to call you and attempt to collect a debt, it is not legal for them to harass or threaten a consumer such as many scam callers and a few debt collectors do. This is an attempt to collect a debt” Verify the name and address of the original collector Advise that you have the right to dispute the debt If you receive a phone call and the company calling you does not do provide the information above, do not pay them or agree to met them to provide any money. Collector cannot call outside of the hours of 8am and 9pm on your local timezone Auto dialing or numerous calls in the effort to annoy, abuse or harass the consumer is not prohibited Profane or abusive language is not allowed Calls to family, friends, or place of employment is not allowed A Collector cannot call and threaten to report falsely to credit reporting agencies Once a consumer discloses they are working and represented by an attorney, communication must stop A few examples of harassing phone calls are on our website, you can access them here.

Some negative items that hang on your credit report for seven years can impact your score more than others. Credit repair can help minimize or remove the impact of some of these items and can even help determine the legitimacy of the items on your report! This entry was posted in Credit Repair Blogs and tagged credit, credit law center, credit repair, Equifax, kansas city, Kansas City Credit Repair, Transunion. This entry was posted in Credit Repair Blogs and tagged attorney based credit repair, Class Action Law Suit, credit law center, Wells Fargo, Wells Fargo Law Suit.

Even minor errors in your report can have a substantial impact on your report and in turn, your livelyhood. Anything from providing a consumer statement on your report to explain your current situation, payment negotations and financial forgivness tactics all have been implimented to lighten the credit stain. At this time, the best way to adress these issues would be general credit monitoring and alerts to catch these errors as soon as they appear on the report. This entry was posted in Credit Repair Blogs and tagged credit law, Credit Repair Companies, kansas city, Kansas City Credit Repair, National Credit Repair.

When the payment is due, an alert pops up, reminding you ahead of time when to make a payment and what the balance is. While auto pay or auto draft is great, it is still important to double check that the payment was taken on time. To set these up, you will want to download the credit card or bank app you use and turn the notifications on for all purchases and payments made. So, if you’ve noticed your credit card keeps creeping out of your wallet, you can set up notifications at a certain balance so overspending is combated.