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National Consumer Protection Week: Learn how you can repair credit and access debt relief services | BRProud.com | WVLA

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LAFAYETTE, La. (KLFY)- This week is National Consumer Protection Week presented by the Federal Trade Commission.
The Better Business Bureau has some tips about credit repair and debt relief services.
If you’ve got mounting credit card bills, you may also have mounting credit repair or debt relief offers collecting in your mailbox.

Those promises of reduced debt, low-interest loans and magical fixes to your credit score can be tempting, but you need to be very careful to make sure nobody is taking advantage of you.

“A lot of the marketing that these companies do targets consumers with obviously higher debt or ones that have looked into getting debt consolidation loans and stuff in the past,” said Chris Babin, with the Better Business Bureau of Acadiana. “And really, the thing to be on alert of is there are companies out there that don’t necessarily do everything that they say they can do, and they’re asking for fees upfront.”

Credit repair companies promise to clean up your credit report for a fee, but the chances they can do anything you couldn’t do on your own are slim.

Experts say no one can remove accurate negative information from your credit report.

“Any negative information that’s accurate still has to be reported, and a lot of the credit repair companies portray as though they can fix your credit and make it to be a good credit report,” said Babin. “When in reality, your credit is what it is, and if there’s negative information, but it’s accurate, that has to be maintained on your credit report.”

Here are some red flags to help you avoid companies with questionable practices for credit repair services:

  • Fees are charged before your debts are settled
  • Guarantees to make the debt go away or improve your credit score
  • The company makes promises about what they can do for you without actually reviewing your financial situation

“We know that there are businesses out there that are charging consumers upfront. They’re charging fees for all of these financial services that they are providing,” Babin explained. “When in reality, they’re not doing much for you other than charging you fees and taking some of your money.”

In honor of National Consumer Protection Week, the Better Business Bureau of Acadiana will be holding a free public education event Thursday, March 5, at the West Regional Library in Scott from 6-7 p.m.

The BBB will give insights on understanding which scams pose the highest risk, how these scams rank in the risk index factors of exposure, susceptibility, and monetary loss and the biggest takeaway from analyzing 2019 data. The BBB will also cover how scams work and how to prevent becoming a victim.

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Credit Repair Service Earns Best-in-Class Rating from TopConsumerReviews.com

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This service is the obvious choice for anyone needing credit repair, and we’re pleased to give Sky Blue our top ranking in 2020.

TopConsumerReviews.com recently affirmed the top-ranked status of Sky Blue Credit Repair, an industry leader among providers of Credit Repair services.

After decades of a devil-may-care approach to credit, the American public seems to finally understand the importance of a good credit score. The better one’s credit, the easier it is to be approved to rent an apartment or buy a home, secure an auto loan, or even get funding for higher education. What happens when a person realizes this after making some poor financial choices? Is it too late?

The good news is that one’s credit history can be repaired, resulting in the resolution of outstanding issues and a higher credit score. Some consumers find it challenging to navigate the process of negotiating with creditors, removing negative reports from their credit history, and consolidating debt. Fortunately, there are reputable credit repair services that take out all the guesswork, putting their decades of expertise into practice to help clients improve their credit histories step-by-step and often doing all of the work on their behalf. The best services take it a step further, working with their customers to help them develop a plan for continued financial stability going forward.

“For over 30 years, Sky Blue has helped clients throughout the United States to achieve a healthy credit history,” affirmed Brian Dolezal of TopConsumerReviews.com, LLC. “Although it can feel daunting to work on improving your credit score, you can count on the Sky Blue experience to be ‘happy and stress-free’ just as they promise. Your initial consultation and review with a representative is absolutely free, and you won’t be pushed into signing up for any services that aren’t a good fit for your situation. If you choose to become a Sky Blue client, your rep will get right to work, disputing at least 5 items with each credit bureau every 35 days. You can rest assured that your decision to use this service is no-risk because of their condition-free guarantee: in the first 90 days of your paid membership, you can get a full refund for any reason. Sky Blue also allows you to pause your service at any time. Plus, clients continue to compliment Sky Blue for being effective, honest, and affordable. This service is the obvious choice for anyone needing credit repair, and we’re pleased to give Sky Blue our top ranking in 2020.”

To find out more about Sky Blue and other Credit Repair services, including reviews and comparison rankings, please visit the Credit Repair Services category of TopConsumerReviews.com at https://www.topconsumerreviews.com/credit-repair.

About Sky Blue

Sky Blue Credit is dedicated to credit repair, focusing solely on helping customers reach their credit goals through repair and restoration services since 1989. They pride themselves on speed, disputing 15 items every 35 days, as well as giving intelligent guidance with respect to optimizing customers’ credit scores.

About TopConsumerReviews.com

TopConsumerReviews.com is a leading provider of reviews and rankings for thousands of consumer products and services. From Credit Repair to Debt Relief and Personal Loans, TopConsumerReviews.com delivers in-depth product evaluations in order to make purchasing decisions easier.

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Credit360’s Credit Repair Services Now Includes Full Credit Audit

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One of the nation’s finest in personal and business credit solutions has expanded its services.

MIAMI, Nov. 25, 2020 /PRNewswire-PRWeb/ — Representatives with Credit360 announced today that its credit repair services now includes a full credit audit from the three credit bureaus, Equifax, TransUnion, and Experian.

“We’re very excited about this,” said Andre Coakley, Founder & CEO of Credit360, a company with an elite team of credit experts that know exactly what techniques will assist individuals and businesses with increasing their credit scores to meet their goals.

Features of the full credit audit include:

  • Full Credit Audit – Equifax, TransUnion, Experian

  • No Monthly Fees – Charged Only After Removal

  • Our Pricing Is Simple, Pay After Deletion

  • Advanced Tactic Disputes and Strategies

  • Comprehensive Credit Audit every 45 days

  • Unlimited credit items disputed for one year

  • 24/7 Online Portal Access from Smartphone

  • Free Coaching and Education

  • Assistance with Structuring Lines of Credit

  • Support with Card Spending and Tradeline Building

And more.

The company’s full credit audit offering comes on the heels of the Credit360 offering credit repair services in Orlando.

“We are very excited to now offer our life-changing credit repair services in Orlando,” Coakley said. “We are here to help you achieve your optimal credit profile by making the credit repair process convenient, individualized, and effective.”

Credit360’s specialized credit repair processes, credit expertise, and guaranteed customer service, company representatives say, make it the best in the industry.

Coakley explained that Credit360 has had the opportunity to help thousands of Americans correct their credit reports. In fact, Credit360, Coakley stressed, is a company that puts its money where its mouth is and only charges a fee when items are deleted, removed, or repaired from individuals’ credit reports.

“With our services, you will no longer have to use other expensive credit repair companies that charge monthly and don’t even produce results,” Coakley promised, before adding, “We are so confident in our advanced disputing tactics that we will allow you to pay for your deletions after you actually see our results and we even give you a 100 percent money-back guarantee to back it up just so you can relax.”

Coakley went on to reiterate that Credit360 is an elite team of credit experts that know exactly what techniques will assist customers with increasing their credit scores to meet their goals.

“With our services, most of our clients see deletions within the first 45 days of enrollment and usually see an average increase of 93 points throughout their program cycle,” Coakley said.

In addition, the company also recently launched its Business Credit Program.

“Our Business Credit Program works directly with small business owners to help them get approved for new business funding and business line of credit options,” Coakley said.

Coakley went on to note that the individual business credit record is the primary way that companies evaluate whether to do business with a particular company – and on what terms.

Business credit includes a variety of data points about your business, such as the date it started, the skills and experience of your top leaders, the number of employees, and annual sales. This type of information, Coakley noted, is listed in the business’ credit profile, along with scores and ratings that are derived from the business’ past behavior to predict its future behavior.

“We have relationships with a number of business financing institutions and know each of their individual requirements and criteria, so we can help you become eligible for the best business line of credit as quickly as possible,” Coakley revealed, before adding, “Don’t let a bad business credit score or other factors prevent you from gaining access to the business funding you need most.”

The types of credit that Credit 360 can help businesses access include:

  • Store Business Credit with Dell, Apple, Walmart, Amazon, Costco, Sam’s Club, BP, Chevron, Home Depot, Lowes, Staples, Office Depot, Ikea, and with most other major retailers.

  • Fleet Credit for fuel and auto vehicle repairs for your primary vehicle, and a fleet of commercial vehicles.

  • Cash Credit including Visa and MasterCard accounts you can use in most locations worldwide

  • Auto Vehicle Financing to purchase or lease your primary vehicle or a fleet of vehicles in your business.

For more information, please visit https://www.credit360.biz/about-us and https://www.credit360.biz/blog.

About Credit 360

Credit360 was established to assist individuals in restoring their personal credit and in offering a complete line of business credit solutions. Credit360 is a financial services firm specializing in credit restoration and business consulting services.

Contact Details:

Andre Coakley

10664 SW 186th Street
Miami, FL 33157

Phone: 305-235-4848

Source: Credit360 Credit Repair

Media Contact

Andre Coakley, Credit360 Credit Repair, +1 305-235-4848, wmt231@gmail.com

SOURCE Credit360 Credit Repair

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ACTION13: How to protect your credit score

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HOUSTON, Texas (KTRK) — Unpaid credit card debt and missed mortgage payments are two of the biggest things that leave negative marks on your credit.

Credit Repair experts say the economic shutdowns are causing credit scores to fall for a lot of people.

One way to possibly stave off a hit to your credit is a through a forbearance.

A forbearance is where the lending agency agrees to let you pause your payments for a period of time, and it will not count against your credit.

This works for both credit cards and home mortgages.

But keep in mind, you have to be caught up on your debts to get a deferment. So, if you are going to miss a payment, reach out to your bank or lender sooner rather than later.

“Reach out to your bank. Work with your bank,” said Robert Pfister with 755 Credit Score. “Work it out. Banks usually help you when you reach out.”

755 Credit Score also says you can get a free consultation.

You can get a free copy of your credit report every year from the three credit reporting agencies Experian, Equifax and Transunion.

RELATED: You can boost your credit score with a few simple tips

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