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Zenith Financial Credit Repair

We assist you in rebuilding your personal credit. We also offer business finance loans for small businesses, and start-up guidance. We offer free consultation for all our services. If you need to buy a car, get lower interest rates, buy a house, get a mortgage, or even get a better job- we can help you shape up your credit report.We are FICO certified.

You don’t have to wait years to improve your credit score, you can take action now and exercise your rights. We are one of the best credit repair companies in California, our background and experience speak by themselves, so just go ahead and register for a free consultation to see your possibilities.

What You Need to Know

Credit Repair is a legal process You can repair your credit on your own without hiring our credit repair services, our recommendation is [do your research first]. If not done correctly, sometimes you can hurt your credit situation more than helping it. You have rights that entitle you to dispute inaccurate, unverifiable, and outdated information under the Fair Credit Reporting Act. 

 

Paperless: more secure, more eco-friendly!

We pride in running our company paperless. Privacy and confidential information is key to our service promise. This is why we have state-of-the-art technology that uses 256-bit SSL security to protect all records. This technology also allows us to offer you 24/7 online access to review your case status and receive messages from your Credit Consultant securely. For those not very tech-savvy, do not worry- we will teach you how to use our system, is fast and easy. Be eco-friendly.

Know The Law

The Fair Credit Billing Act (FCBA) and Electronic Fund Transfer Act (EFTA) establish procedures for resolving mistakes on credit billing and electronic fund transfer account statements, including:

Charges or electronic fund transfers that you – or anyone you have authorized to use your account – have not made.Charges or electronic fund transfers that are incorrectly identified or show the wrong amount or date. Computation or similar errors.Failure to reflect payments, credits, or electronic fund transfers properly.Not mailing or delivering credit billing statements to your current address, as long as that address was received by the creditor in writing at least 20 days before the billing period ended.Charges or electronic fund transfers for which you request an explanation or documentation, due to a possible error.

The FCBA generally applies only to “open end” credit accounts – credit cards, revolving charge accounts (such as department store accounts), and overdraft checking accounts. It does not apply to loans or credit sales that are paid according to a fixed schedule until the entire amount is paid back, such as an automobile loan. The EFTA applies to electronic fund transfers, such as those involving automatic teller machines (ATMs), point-of-sale debit transactions, and other electronic banking transactions.

Debt & debt collectors

You are responsible for your debts. If you fall behind in paying your creditors or an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others. This includes lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors.

The Fair Debt Collection Practices Act (FDCPA) applies to personal, family, and household debts. This includes money owed for the purchase of a car, for medical care, or for charge accounts. The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts.

Your rights under the Fair Debt Collection Practices Act: Debt collectors may contact you only between 8 a.m. and 9 p.m.Debt collectors may not contact you at work if they know your employer disapproves.Debt collectors may not harass, oppress, or abuse you. Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.Debt collectors must identify themselves to you on the phone.Debt collectors must stop contacting you if you ask them to in writing.

Credit reports

Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by credit bureaus. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

The Fair Credit Reporting Act (FCRA) is designed to help ensure that credit bureaus furnish correct and complete information to businesses to use when evaluating your application.

Your rights under the Fair Credit Reporting Act:

You have the right to receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.You have the right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.Any company that denies your application must supply the name and address of the credit bureau they contacted, provided the denial was based on information given by the credit bureau.You have the right to a free copy of your credit report when your application is denied because of information supplied by the credit bureau. Your request must be made within 60 days of receiving your denial notice.If you contest the completeness or accuracy of information in your report, you should file a dispute with the credit bureau and with the company that furnished the information to the bureau. Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute.You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction.