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How to Find a Credit Repair Company in New York

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Your credit score isn’t something you tend to give too much thought to – that is, until you need to borrow money, rent an apartment, or sign a car lease wherein it may require a credit check.

Suddenly, the fact that you may have missed a bill here and there, fallen behind on payments, and not worried too much about your credit score, will come back to haunt you.

For many people, bad credit can be scary, especially if you’ve never experienced it before. Having bad credit can negatively affect you in all kinds of ways, not just right now, but also in the future. The good news is that this doesn’t have to be a permanent situation, as there are ways you can go about fixing your credit. One of the most effective methods is to work with a credit repair company that understands exactly what steps you will need to take, and how to improve your rating as smoothly and quickly as possible.

So, if you’re looking for a credit repair company in New York and aren’t even sure what you should be looking for, let this act as your guidebook. Here we’ll outline all the most important steps in finding the perfect credit repair company in New York.

Look for a Company with Experience

The first thing to look out for is a company that has credit repair experience. Fixing your credit is a serious matter and not something you want to make mistakes with. This means you need a company that has a proven track record of helping clients, and one that can show real results.

Does the Company Offer a Guarantee?

Besides experience, it’s also wise to ask if the company offers a guarantee on their services. Ideally, it should be a money back guarantee should they not be able to follow through no their promise or guarantee. In other words, they are unable to fix your credit score.

Does the Company Offer a Free Consultation or Evaluation?

It’s also important to look for a company that approaches each case or client on an individual basis. What works for one person may not be the best solution for you. Ask the company in advance if they offer any type of free consultation or evaluation. This gives you a chance to get an idea of the approach they would take, and you can then make a decision if it matches with your needs and wants.

How Long Will it Take to Fix Your Credit?

Any reputable credit repair company should be able to look at your current credit rating, your personal situation, and then give you a rough estimate on how long the process should take. Will it be weeks, months, a year? It’s important to get a realistic idea of what you can expect going forward. Some companies will even offer real-time status updates, which can give you peace of mind knowing that they are working to remedy your credit rating.

Ask What is Needed Of You

While the credit repair company will be doing all the hard work, you will still have a role to play. Make sure to ask what will be expected and needed of you in order for the process to move along smoothly.

What Is the Customer Support Like?

Because you aren’t an expert yourself when it comes to credit repair, there is no doubt you’ll have questions here and there. It’s important to research what the level of customer support is should you have concerns, issues, or questions that you need assistance with.

Inquire Into Various Plans

Here’s a tip you may not think of right away, but it may be helpful. Sometimes it’s not a matter of a credit rating for a single person, rather you need assistance as part of a couple. You can find a robust Couples Plan at Pyramid, a reputable credit repair company. The Couples Plan is actually Pyramid’s most popular plan and boasts a personalized service for two people and specific finance tools for couples, among other features and benefits. It’s a great way to take action as a couple and get some really positive results.

What Will the Company Need from You?

In order to do their job, the credit repair company will need documentation from you, so make sure you are given a list of all the essential items you need to gather. Without all the necessary documents they may not be able to successfully repair your credit score. This is why it’s so important to be keeping careful records at home.

When you do gather all the material for the company, they should also never ask you to lie. Even if it’s not a bold-faced lie, a misleading statement shouldn’t be used either.

Do You Have to Sign a Contract?

While some companies may try to rope you into a contract, there is no reason you have to go with them. Instead, look for a company that doesn’t have contracts or commitments so that you can feel free to leave if you’re not happy.

Asking for Full Payment Up-Front

Another red flag can be a company that asks for full payment up-front. As experts state, these are companies you want to steer far away from.

Read Online Reviews from Other Clients

Finally, you want to take a look at online reviews about any company you are considering using. Although online reviews need to be taken with a grain of salt, they can offer some helpful insight and help to ensure you make an informed decision.

Besides online reviews, you can speak to family and friends who may have worked with a credit repair company in the past and get their insight on the experience they had – both good and bad.

Finding the Company That Will Help You

While it may seem like a lot of things to be mindful of as you look to hire a credit repair company, the fact is that you want your credit score to be repaired quickly and properly, so choosing the right company is key.



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Division of Consumer Affairs Releases Top Ten 2020 Consumer Complaint Categories

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Tuesday, March 02, 2021 | 11:27am

Nashville- The Tennessee Attorney General’s Office Division of Consumer Affairs (DCA) announced the top ten complaint categories for 2020.

DCA received a total of 4,053 complaints in 2020 and recovered both services and funds for Tennessee by working with consumers and businesses. Overall, the number of consumer complaints decreased slightly in 2020 compared to 2019 when 4,250 complaints were reviewed by Consumer Affairs. The Division’s staff works to quickly route complaints so that appropriate action can be taken in cases where deceptive business practices, frauds or scams are identified.

2020 Top Ten Complaint Categories:

  1. Home Improvements, Home Repair, Home Warranties: 497 complaints
    Home warranties, as well as hiring a contractor for services to repair or improve the quality of your home. The most common complaints involve quality of work, incomplete work after receiving payment, and structural damage caused by employed individuals or businesses. Many of these complaints are referred to the Tennessee Board for Licensing Contractors.
  2. Price Gouging: 343 complaints
    Complaints alleging unreasonable price increases on essential items such as groceries and medical supplies. Price increases are generally considered by evaluating several factors including the pre-existing price agreements and increases in cost by suppliers.
  3. Personal/Professional Services: 329 complaints
    Services offered by professionals working in the State of Tennessee, including hair stylists, massage therapists, locksmiths, exterminators, photographers, surveyors, and others. Common complaints include the quality of service, charges for service not received, and problems redeeming gift certificates for services offered. Complaints in this category are sometimes referred to the TN Department of Commerce & Insurance’s Division of Regulatory Boards and the TN Board of Professional Responsibility.
  4. Landlord/Tenant: 289 complaints
    The most common complaints relate to security deposits and the conditions of the rental property. These complaints are commonly referred to city and county building codes enforcement and the State Fire Marshal’s Office.
  5. Internet Sales: 281 complaints
    Consumer dissatisfaction with items or services purchased online. Common complaints include issues with refunds and returns, or the product or service not being provided after payment. Often, the product or service was solicited via email or social media advertisements. The Division of Consumer Affairs works to mediate these complaints.
  6. Motor Vehicle- Used Sales & Advertising: 266 complaints
    Consumer dissatisfaction with the purchase of used vehicles. Disputes over the vehicle’s condition and deception regarding the sale, advertising, and titling are the most common complaints. Consumer Affairs works closely with the TN Motor Vehicle Commission in this category. In addition, these complaints may be referred to the National Highway Traffic Safety Administration (NHTSA) and the TN Department of Revenue.
  7. Heath Services & Products: 228 complaints
    Complaints include inaccurate billing and misquoting services. The Division may mediate complaints or refer appropriate complaints to the TN Department of Health.
  8. Debtor/Creditor: 225 complaints
    This category includes matters related to debt collection companies, payday loans, credit repair companies, and check-cashing services. Consumers report harassing phone calls or billing issues. These complaints are often referred to the TN Department of Financial Institutions and the TN Department of Commerce & Insurance’s Regulatory Boards Division.
  9. Timeshare/Vacation Clubs: 223 complaints
    Complaints related to the purchase of property under a timesharing agreement and the sale of these agreements. The most common complaints report high-pressure sales tactics, misrepresentation of the contract, and resale scams. The Division will often refer these complaints to the TN Real Estate Commission and the TN Board of Professional Responsibility.
  10.  Travel: 183 complaints
    This category includes consumer disputes involving travel-related issues such as hotel or rental cabin stays. Many complaints involved requests for refunds because of COVID-19.

For more consumer resources, or to file a complaint, visit the DCA website at tn.gov/consumer or contact us at 800-342-8385 or [email protected]

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#21-08:  Division of Consumer Affairs Releases Top Ten 2020 Consumer Complaint Categories

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Credit Repair Services Market to Witness Increase in Revenues by 2027 – NeighborWebSJ

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Credit Repair ServicesThe Research report on the Global Credit Repair Services Market looks into current and historical values to present projections for vital market indicators. It studies regional as well as key domestic markets to present a satisfactory picture about the growth of the global market for Credit Repair Services Industry over the forecast period. The introductory part of the report includes terms and terminologies, conventions, and notations that are relevant in the context of Credit Repair Services Market. This is followed by a discussion on industry statutes, industry chain structures, and industry growth policies that are in the purview of the Credit Repair Services Market. Demand and supply logistics, production size, product rating and yield, and import/export behaviour are the key parameters that have been studied across geographical markets of Credit Repair Services Industry.

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Some of the key players in the Global Credit Repair Services market are Lexington Law, CreditRepair.com, Sky Blue Credit Repair, The Credit People, Ovation, MyCreditGroup, Veracity Credit Consultants, MSI Credit Solutions, The Credit Pros.

Additionally, it offers a clear understanding of global Credit Repair Services market attributes such as production volume, values, market shares, and size. It also elaborates on global trading factors such as import, export, and local consumption. Moreover, it offers a competitive landscape of the global Credit Repair Services market by providing the business profiles of various top-level industries. Collectively, it offers up-to-date informative data of global Credit Repair Services market which will be beneficial to make informed decisions in the businesses.

Regionally, this market has been inspected across various regions such as North America, Latin America, Middle East, Asia-Pacific, Africa, and Europe on the basis of productivity and manufacturing base. Some significant key players have been profiled in this research report to get an overview and strategies carried out by them. Degree of competition has been given by analyzing the global Credit Repair Services market at domestic as well as a global platform. This global Credit Repair Services market has been examined through industry analysis techniques such as SWOT and Porter’s five techniques.

Global Credit Repair Services Market Segmentation

The top segments in the market have been highlighted clearly in this report for the readers to understand in a précised manner. These segments have been presented by giving information on their current and predicted state by the end of the forecast period. The information presented would help the upcoming players to gauge the investment scope within the segments and sub-segments of the global Credit Repair Services market.

By Industrial Credit Repair Services Market Product-Types: Product Type I, Product Type II, Product Type III

By Industrial Credit Repair Services Market Applications: Application I, Application II, Application III

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REPORT ATTRIBUTEDETAILS
BASE YEAR2020
HISTORICAL YEAR2015 – 2020
FORECAST PERIOD2021 – 2027
REPORT COVERAGERevenue Forecast, Company Ranking, Competitive Landscape, Growth Factors, and Trends
GLOBAL MARKET SEGMENTSTypes, Applications, End-Users
TOP LEADING PLAYERSLexington Law, CreditRepair.com, Sky Blue Credit Repair, The Credit People, Ovation, MyCreditGroup, Veracity Credit Consultants, MSI Credit Solutions, The Credit Pros.
BY TYPESProduct Type I, Product Type II, Product Type III
BY APPLICATIONApplication I, Application II, Application III
REGIONAL SCOPENorth America, Europe, Asia Pacific, Latin America, Middle East and Africa
MARKET FORECASTForecast by Region, Forecast by Demand, Environment Forecast, Impact of COVID-19, Geopolitics Overview, Economic Overview of Major Countries
KEY REASONS TO PURCHASE
  • To gain insightful analyses of the market
  • Assess the production processes
  • To understand the most affecting driving and restraining
  • Market strategies by leading respective organizations.
  • To understand the future outlook and prospects for the market

Key questions answered in the report:

  1. What is the Keyword Market’s Growth Potential?
  2. Which product segment will get the lion’s share?
  3. Which regional market will lead in the coming years?
  4. Which application segment will grow steadily?
  5. What growth opportunities could arise in the Credit Repair Services industry in the coming years?
  6. What are the main challenges for the Credit Repair Services market in the future?
  7. Which companies lead the Credit Repair Services market?
  8. What are the main trends that are positively influencing market growth?
  9. What growth strategies are players considering to stay in the Credit Repair Services market?

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Reasons for Buying This Credit Repair Services Market Report:

  • It offers an analysis of changing competitive scenario.
  • For making informed decisions in the businesses, it offers analytical data with strategic planning methodologies.
  • It offers a seven-year assessment of the global Credit Repair Services market.
  • It helps in understanding the major key product segments.
  • Researchers throw light on the dynamics of the market such as drivers, restraints, trends, and opportunities.
  • It offers the regional analysis of the Credit Repair Services market along with the business profiles of several stakeholders.
  • It offers massive data about trending factors that will influence the progress of the global Credit Repair Services market.

Further key aspects of the report indicate that:

Chapter 1: Research Scope: Product Definition, Type, End-Use & Methodology

Chapter 2: Global Industry Summary

Chapter 3: Market Dynamics

Chapter 4: Global Market Segmentation by region, type and End-Use

Chapter 5: North America Market Segmentation by region, type and End-Use

Chapter 6: Europe Market Segmentation by region, type and End-Use

Chapter 7: Asia-Pacific Market Segmentation by region, type and End-Use

Chapter 8: South America Market Segmentation by region, type and End-Use

Chapter 9: Middle East and Africa Market Segmentation by region, type and End-Use.

Chapter 10: Market Competition by Companies

Chapter 11: Market forecast and environment forecast.

Chapter 12: Industry Summary.

Note: This content doesn’t contain all the Information of the Report please fill the form (via link) and get all interesting information just one click in PDF with the latest update with chart and Table of Content

Any special requirements about this report, please let us know and we can provide custom report.

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Contrive Datum Insights (CDI) is a global delivery partner of market intelligence and consulting services to officials at various sectors such as investment, information technology telecommunication, consumer technology, and manufacturing markets. CDI assists investment communities, business executives and IT professionals to undertake statistics based accurate decisions on technology purchases and advance strong growth tactics to sustain market competitiveness. Comprising of a team size of more than 100analysts and cumulative market experience of more than 200 years, Contrive Datum Insights guarantees the delivery of industry knowledge combined with global and country level expertise.

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Attorney General Nessel announces top 10 consumer complaints of 2020 | WJMN

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LANSING, Mich. (WJMN) – Michigan Attorney General Dana Nessel announced Michigan’s Top 10 Consumer Complaints for 2020 to celebrate the importance of National Consumer Protection Week and to help people make informed decisions about how to safely spend their money.

The Michigan Department of Attorney General received and processed nearly 24,000 consumer complaints. 

“Each year, my office tracks consumer complaints to ensure that we’re keeping Michiganders informed on crucial details to protect their wallets,” said Nessel. “A common thread every year is the framework bad actors continue to use, which always includes: a sense of urgency, untraceable payment methods, and an offer too good to be true. The Department of Attorney General is committed to being your connection to consumer protection and I encourage everyone to take advantage of the wealth of resources we have to offer during National Consumer Protection Week and beyond.” 

The object of any scam is to steal money or obtain personal information by convincing a victim of the need to part with it. Scammers prey on anyone and use clever tactics to convince their victims to hand over money or personal information through deceit, coercion, intimidation, fear and empty promises. These tactics coupled with a sense of urgency put pressure on the victim to make an immediate decision.    

More information on scams can be found online at the Attorney General Consumer Alert page. The Federal Trade Commission (FTC) also has a listing of individual scams with great tips on prevention.   

Michigan’s Top 10 Consumer Complaint Categories of 2020:   

Nessel’s Top 10 list is compiled by analyzing all complaints filed with the Attorney General’s Consumer Protection Team. Thanks to the hard work of the Consumer Protection Team, the Attorney General’s office was able to recover $517,864.10 in consumer refunds, forgiven debt and other recoveries.     

  1. Robocalls (5,516 complaints).  As a new category in the top 10, it includes illegal robocalls, telephone solicitations and telemarketing. With the launch of Michigan’s Robocall Crackdown Team in late 2019, Michigan is now recognized as a leader in combatting illegal robocalls. In 2020, Attorney General Nessel joined six other states in filing a major lawsuit against a pair of Texas businesses accused of blasting out billions of illegal robocalls. Rising Eagle Capital Group LLC and JSquared Telecom LLC are both believed to be responsible for more than 42 million illegal robocalls to Michigan residents over a five-month period in 2019 alone.
  2. Price-gouging (4,522 complaints).  This is the first time that price-gouging has made the top 10 list. Most consumers reported significant price increases on items such as face masks, gloves, toiletries, food and other items during the COVID-19 outbreak. In 2020, the Attorney General’s office took action against many businesses and individuals seeking to profit from consumer panic during the pandemic.
  3. Retail (2,433 complaints). Retail complaints include purchases that involved late deliveries or products that were never delivered. Other complaints include the purchases of appliances, furniture and other items that were defective or did not work as advertised.
  4. Telecommunications, Cable, and Satellite TV (1,880 complaints). This category includes complaints against wireless communications, cable and satellite TV services with most of the reports being billing and service issues. (NOTE:  This category does not include robocalls, which has its own category.)
  5. Internet (1,275 complaints).  A significant number of these complaints involve online purchases, as well as computer communications and technology, and internet service providers.
  6. Personal Service Providers (953 complaints).  This category covers dating services, beauty companies, fitness facilities, spas, home security and tax preparation services.
  7. Credit and Financial Concerns (880 complaints). This category covers a variety of areas including debt collection and reporting, credit repair, payday lending and mortgage brokering. In 2020, the department settled a lawsuit against tribal officials associated with an online tribal lender that resulted in the lender discontinuing its services to Michigan residents and collecting only outstanding principal amount on remaining active accounts.
  8. Landlord/Tenant (786 complaints).  This category involves disputes between renters and apartment owners or property management companies, mobile home parks and site operators, as well as condominium associations.  Most complaints report on living conditions and contract disputes.
  9. Motor Vehicle and Automobile (670 complaints). Complaints against used car dealers continue to top this category, followed by auto repair shops, new car dealers and passenger car rentals.  This category involves issues from shoddy repair work to service issues.
  10. Travel (547 complaints). This category includes complaints against travel agents, travel clubs, time-shares and time-share exit companies.    

“In a year that was unprecedented in many ways, I want to thank our Consumer Protection Team for their resilience and dedication to ensuring that every complaint was addressed,” said Nessel.  

Throughout National Consumer Protection Week and the entire month of March, consumers can follow along on the Department’s FacebookTwitter and Instagram pages for daily consumer protection information.   

Your connection to consumer protection is just a click or phone call away. Consumer complaints can be filed online at the Attorney General’s website, or by calling 877-765-8388. 

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