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Using a Professional Expert in Credit Repair
Posted by Vivix Credit Solutions | Categories: Credit Repair, Credit Report, Credit Score, Fair Credit Reporting Act, Vivix Credit Solutions | Tags: FCRA, free consultation, FTC
When to Seek Professional Help with Your Credit
Are you having trouble with your credit? When is a good time to seek professional help? Well, one of the biggest red flags you can run into is when the collection calls and letters are flooding your voicemail and mailbox. If that happens then you know it is definitely time to start thinking about getting professional help with your credit. Vivix Credit Solutions is a company that specializes in helping people who are overwhelmed with debt and credit card bills. Vivix Credit Solutions offers a free consultation so you do not have to worry about getting into even more financial trouble. The team at Vivix Credit Solutions will work you to help solve your current financial situation. You can rest easy knowing that when you hire Vivix Credit Solutions their fee will be absorbed by the great savings you will experience when their team contacts your creditors to help reduce the amount of money you owe.
The following are three basic options to consider when getting help from Vivix Credit Solutions.
1. Credit counseling: Credit counseling is a service that provides advice on how to manage your credit card finances. The professional counselors at Vivix Credit Solutions will work with you to help you establish a reasonable budget that you can stick to. They also will advise that you reduce the number of credit cards you carry to only two or three if you currently have more than that.
2. Debt consolidation: Debt consolidation is a more aggressive approach where Vivix Solutions will work with your debt collectors to help lower your monthly payments or even reduce your debt. Why would they do something like that? Well, the reason is because your creditor does not want to see you go bankrupt because that would mean that the amount of money that they can now collect off of you is zero. So, instead of letting you go bankrupt, they are willing to settle for a lesser amount.
3. Credit Services Organization: This option allows you to consult with a licensed and bonded credit expert who will review your credit report with you and determine the best way to not only resolve your credit score challenges but also resolve your debt challenges. This solution combines using the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act to have items that are inaccurate, questionable, unverifiable and obsolete either corrected or deleted.
Another sign that you need to seek professional help is when your credit score is at risk of being negatively impacted. If you notice this occurring make sure that you get professional credit help immediately. Do not just let it slide or your credit score could be seriously damaged.
Also, be wary of companies that place ads on TV that offer quick and easy fixes to your credit problems. While it would certainly be convenient to have a quick and easy fix, the sad truth is that the majority of the companies making those claims are preying off of desperate people who do not know what to do. These companies can actually send you deeper into credit card debt instead of helping you get out of it.
Call Now to Speak to one of our Credit Experts 702-434-4414
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