123CreditFixed

123CreditFixed Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from 123CreditFixed, Credit Counseling Service, 300 S. 5th Street Suite F, Oxnard, CA.

123CreditFixed specializes in helping you understand you're credit, if it's help to settle a lawsuit that's been filed against you or negotiating you're unsecured debt, 123CreditFixed works with you every step of the way, Guaranteed.

Transparency needed for resources allocated for homelessnessBy Lang Martinez TransparencyAs a person who has struggled w...
02/02/2023

Transparency needed for resources allocated for homelessness
By Lang Martinez
Transparency

As a person who has struggled with homelessness and being a former addict living on the streets, I’ve been active for the last four years as a homeless advocate in Ventura County. We don’t always recognize how a blanket of homeless resources are often misdirected. The public should understand how the most visible people who are unhoused are unable to accept the wealth of outreach and services being offered. Being homeless and being a vagrant are two different sets of problems. They should be treated as such so that resources can be distributed appropriately.

I have an anecdotal opinion about this subject. One example is the government’s Housing First Model. Statistics have already proven that the model has only a 30% success rate for sustaining a person into a permanent housing solution. Regardless of whether a person is experiencing an unhoused situation or if they are living a life of addiction on our streets, the public needs to start questioning how resources are being allocated to reduce the overall impacts homelessness and vagrancy are having on taxpayers. The time has come for a public audit of how the millions of dollars being spent is not making a change for the public good. In my estimation, the funds being allocated to address homelessness lack public scrutiny and transparency.

Another example that begs for better governance is the statewide funding allocated during the pandemic. The state issued millions of dollars for the emergency program Project Room Key. Statistics showed that Los Angeles County had 68,000 homeless individuals with an emergency allocation to house 15,000 people immediately. Studies have come back to show that less than 6,000 people were housed with this emergency funding. I consider this a failure and an indication of how funds are being misused and are not addressing the difference between homelessness and vagrancy. I’m learning from people on the street that in L.A. and Ventura County, there were many unreported incidents of people who died from an overdose or su***de while living in a hotel supplied by the Project Room Key program. It’s a sad commentary for a program that was intended to save lives, when in fact the state of some individuals’ mental health and their substance abuse was either ignored or forgotten.

The homeless situation overall is in crisis. Service providers have exposed that in many cases there are no fundamental outcomes towards resolving the problems impacting the public. Communities are stressed and overwhelmed by the negative impacts of chronic vagrancy. Encampments, trash and unlawful behavior have now become normal, yet remain unacceptable. Federal and state governments continue to allocate millions of dollars into cities, yet nothing is changing. Studies show that a majority of the homeless population in California are refusing or unable to overcome their unhoused situation. Whether it’s addiction, mental health or a combination of both, services today should be focused on aggressive treatment practices and relieving law enforcement and emergency medical responders from having to redundantly care for chronic vagrancy issues.

The public has a right to understand how complex homeless issues are impacting funding initiatives and do not always provide significant changes for the homeless population. The public needs to start asking harder questions directed at funding and programs that use the Housing First model and the results of Project Room Key. The public needs more transparency because finding solutions that work are truly the public’s responsibility. Most if not all homeless services are free. However, we are not seeing any significant return on the public investment to say outcomes are working.

I’m asking the public to start getting involved and understand the complexities associated with homelessness. Many government meetings are available on TV or online. There, the public has access to learn how funding is being approved and being proposed to solve homelessness. At a recent Inter Neighborhood Council meeting for the city of Oxnard, a public speaker asked how the Homeless Services Department intends to address the negative impacts of chronic homelessness. The Housing Director responded with vague phrases versus providing concrete solutions. This clearly demonstrates that governments and service providers struggle with addressing chronic vagrancy and should start thinking about treatment-oriented approaches.

In conclusion, I propose for a public meeting where local governments, community stakeholders, service providers and interested citizens can organize a formal ad hoc committee to evaluate local government funding for homeless services. We already know that millions of dollars have been spent on homelessness over the last five years. Local governments and the service provider community must be held accountable for the taxpayer money being spent to address this public crisis. It’s time for the public to get involved.

Lang Martinez is a homeless advocate. He lives in Ventura County.

Transparency needed for resources allocated for homelessness | Opinion | vcreporter.com
https://www.vcreporter.com/opinion/transparency-needed-for-resources-allocated-for-homelessness/article_218a149c-a28f-11ed-bd10-631a9b7149af.html

"THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED"123CreditFixed: WHAT IS A GOOD CREDIT SCORE?Having a good CREDI...
05/27/2022

"THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED"

123CreditFixed: WHAT IS A GOOD CREDIT SCORE?

Having a good CREDITSCORE is something many people strive for throughout their lives. Good credit opens the door for better interest rates, more credit card options and a higher chance of loan approvals.

What is a good FICO score?

FICO defines a good credit score as one that falls between 670 and 739, whereas anything above 800 is considered exceptional. FICO SCORES between 580 and 669 are considered fair and those between 740 and 799 are very good. A poor FICO credit score is anything below 579.

What is a good VantageScore?

VANTAGESCORE 3.0 and 4.0 (the two newest VantageScore credit scoring models) range from 300 to 850, much like FICO. This method of scoring defines 661 to 780 as a good credit score and 781 to 850 as an excellent credit score. Scores that fall between the 601 and 660 range are considered fair and 500 to 600 are considered poor. Any score that falls below 499 is ruled as a very poor credit score.

What affects your credit score?

Your credit score is calculated based on a variety of factors. There are different types of credit scores and different ranges, so while the ranges presented here are based on the standards of the credit reporting agencies, credit issuers may have more specific score requirements within a range to meet their approval standards.
Your FICO score is determined by a combination of five credit factors. These factors include amounts owed, credit mix, new credit, length of credit history and payment history. FICO assigns a percentage to each of these factors to determine how much weight they carry in your credit score calculation, including the following:

Payment history: 35 percent

Amounts owed: 30 percent

Length of credit history: 15 percent

New credit: 10 percent

Credit mix: 10 percent

VantageScore calculates your credit score using similar factors as FICO, though VantageScore weights factors PAYMENT HISTORY still the most influential factor for VantageScore. However, your CREDIT MIX credit history carry more weight in the VantageScore rankings. Instead of exact percentages, VantageScore offers a hierarchy of its scoring factors:

Payment history: Extremely influential

Credit mix and age: Highly influential

Amount of credit used: Highly influential

Balances and debt: Moderately influential

New accounts and inquiries: Less influential

Available credit: Less influential

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION @ 805 385-1100 or email us if you have a question @ [email protected]

About Us"THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED"123CreditFixed has been serving the residents of Ventur...
05/26/2022

About Us

"THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED"

123CreditFixed has been serving the residents of Ventura County and the surrounding counties for 20 years. Our mission was to create a family-owned credit repair service for the people of this underserved area, typically overshadowed by an uncaring corporation from Los Angeles. We have worked very hard over the years to perfect our level of service and provide real solutions for our clients when it comes to raising their credit scores. Service and solutions are imperative, but timing and technique are also vital to help consumers repair their credit. Through guided strategies from our credit experts and deleting negative information reporting on consumers’ credit reports, we have helped thousands of local families increase their credit scores.

123CreditFixed works hard to provide what you need most at this uncertain time in your life, however serious or minor your credit challenge is. We are a company with real people who care about your situation. We pride ourselves on our ability to accurately assess your situation and remove the negative items from your credit report while keeping the items that are necessary to build a strong foundation and score when we have completed the process.

123CreditFixed is a Proud Affiliate Member of the Ventura County Coastal Association of Realtors

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION @ 805 385-1100 or email us if you have a question @ [email protected]

"THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED"123CreditFixed: HOW TO IMPROVE YOUR CREDIT SCOREA good FIRST st...
05/20/2022

"THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED"

123CreditFixed: HOW TO IMPROVE YOUR CREDIT SCORE

A good FIRST step is to get a FREE copy of your credit report and score so you can understand what is in your credit file. Next, focus on what is bringing your score down and work toward improving these areas.

HERE ARE SOME COMMON STEPS YOU CAN TAKE TO INCREASE YOUR CREDIT SCORE!

1.PAY YOUR BILLS ON TIME: Because payment history is the most important factor in making up your credit score, paying all your bills on time every month is critical to improving your credit.

2.PAY DOWN DEBT:Reducing your credit card balances is a great way to lower your credit utilization ratio, and can be one of the quickest ways to see a credit score boost.

3. MAKE ANY OUTSTANDING PAYMENTS: If you have any payments that are past due, bringing them up to date may save your credit score from taking an even bigger hit.

4.LATE PAYMENT INFORMATION IN CREDIT FILES,:include how late the payment was—30, 60 or 90 days past due—and the more time that has elapsed, the larger the impact on your scores.

5.DISPUTE INACCURATE INFORMATION ON YOUR CREDIT REPORT:Mistakes happen, and your scores could suffer because of inaccurate information in your credit file. Periodically monitor your credit reports to make sure no inaccurate information appears. If you find something that's out of place, initiate a dispute as soon as possible.

6.LIMIT NEW CREDIT REQUESTS:Limiting the number of times you ask for new credit will reduce the number of hard inquiries in your credit file. Hard inquiries stay on your credit report for two years.

CALL TODAY FOR A FREE CONSULTATION AND SIGN UP FOR A CREDIT REPAIR PACKAGE & GET A SECOND CREDIT REPAIR PACKAGE @ HALF PRICE

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION Call 805 385-1100 or email [email protected]

THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED!!!!!OUR 3-STEP PROCESS Step One: ResearchThe first step is under...
05/08/2022

THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED!!!!!

OUR 3-STEP PROCESS

Step One: Research
The first step is understanding your situation. Get copies of your credit report from each of the three major credit bureaus. It’s simple and free, following the directions included on our new client signup page.

Step Two: Analysis
Once we have your credit reports, we carefully review all your tradelines highlighting any derogatory items. Then, we’ll look deeper into the reasons behind every item adversely affecting your credit. Our main goal at this point is to identify any items that we believe can be successfully disputed, but we will also use the opportunity to explain the positive factors on your report so you can continue to build your overall credit.

Step Three: Resolution
Armed with the facts and strong explanations, we will dispute the negative items on your credit report with the credit bureaus. If the items we dispute are not corrected, we will again argue your case via repeat letters until we achieve the desired outcome. 123CreditFixed works with you every step of the way,

CALL TODAY FOR A FREE CONSULTATION AND SIGN UP FOR A CREDIT REPAIR PACKAGE & GET A SECOND CREDIT REPAIR PACKAGE @ HALF PRICE

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION @ 805 385-1100 or email us if you have a question @ [email protected]

123CREDITFIXED: YOU KNOW WHAT IS AN UNSECURED LOAN? THERE ARE TWO KINDS OF LOANS: SECURED LOANS & UNSECURED LOANS A SECU...
05/08/2022

123CREDITFIXED: YOU KNOW WHAT IS AN UNSECURED LOAN?

THERE ARE TWO KINDS OF LOANS: SECURED LOANS & UNSECURED LOANS

A SECURED LOAN is a loan that is backed by assets or property, which guarantees repayment. Theis asset or property is known as collateral. The most common type of secured loan is a mortgage since mortgages are secured by the home that was purchased with the mortgage proceeds. If you fail to repay your mortgage, the real estate you purchased with the mortgage loan can be repossessed by the lender as repayment. Another common type of secured loan is auto loans, which work the same way.

AN-UNSECURED LOAN is a loan that is not secured by other funds or property. In most instances, the only thing backing the loan is your pledge to pay it back. The most common type of unsecured loan is a credit card. Other than your agreement to repay the money you borrow on your credit card, most credit card issuers do not have a right to take the merchandise purchased with the credit card as repayment if you fail to make your payments.

Other types of unsecured loans include business loans, student loans, and even debt consolidation loans. A debt consolidation loan is a popular means of merging multiple debts owed on several unsecured accounts into one loan with one monthly loan payment.

Student loans are also a type of unsecured loan, although they tend to have hallmarks more commonly associated with secured loans. When you take out a student loan you not only “agree” to repay the loan but you must also sign a “promissory note.” The promissory note then becomes the collateral for your student loan similar to how a check secures your obligation to pay for the items you purchase with it.

Because their loans are not secured by collateral, most unsecured creditors rely on reputation and good faith to trust that you will repay your unsecured debt. A record of how you honor your financial obligations is maintained by the three major credit bureaus. These bureaus generate credit reports concerning the loans you take out and your history of payments and/or default. This history is then reduced to an individual bureau’s assessment of your credit score.

All three bureau scores are scaled against the credit scores of other responsible borrowers to rate your overall creditworthiness. As long as you make the payment required every month, your lender will report this positive information to the credit bureaus, giving other consumer credit lenders a favorable indicator of your creditworthiness. If you miss a payment or stop paying altogether, they will also report this information, partially to warn other lenders that you did not make the payments as required per the terms of your loan agreement. This, in turn, will cause your credit score to decrease and may cause some or all of these lenders to refuse to lend you money in the future.

In addition to reporting your credit history to credit bureaus, some lenders will also insist that you agree to automatic monthly payment deductions made from your bank account as a condition of obtaining an unsecured loan. These automatic monthly deductions not only increase the likelihood that you will make your payment every month but also that the payment will be made on time. Automatic monthly payment deductions can also sometimes be very difficult to cancel, requiring you to contact both your lender and your bank to have the payments stopped.

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

123CREDITFIXED WORKS WITH YOU EVERY STEP OF THE WAY AND RESULTS GUARANTEED!!

REMEMBER THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED!

CALL TODAY FOR A FREE CONSULTATION AND SIGN UP FOR A CREDIT REPAIR PACKAGE & GET A SECOND CREDIT REPAIR PACKAGE @ HALF PRICE

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

Call 805 385-1100 or email [email protected]

ABOUT US123CreditFixed has been serving the residents of Ventura County and the surrounding counties for over 20 years.W...
05/02/2022

ABOUT US
123CreditFixed has been serving the residents of Ventura County and the surrounding counties for over 20 years.

We have worked hard over the years to perfect our level of service and provide real solutions for our clients.

At 123CreditFixed we know everyone’s personal life story is different, so we take a unique approach to each credit file when planning a strategy to remove negative items from your credit report; No cookie cutter or one size fits all boilerplate letters.

Our Credit Specialist Team at 123CreditFixed understands the value and the necessity of having an excellent credit score so we strategize and fight to increase your credit score by every point possible.

Even if you're not in the market for a home or a new car, your credit score determines how much you pay in interest on credit cards, what kind of job you can get, how much you pay for insurance.

Traditionally your credit score was solely used by lenders to determine the risk of extending you credit and the interest rates that you would have to pay. Today your credit score is used for much, much more. In fact, your credit score determines who you are as a human being. Sad, isn't it?

The necessity for excellent credit cannot be overstated.123CreditFixed specializes in helping you understand credit as well as your financial situation. Whether it's helping to negotiate a lawsuit that has been filed against you or negotiating your unsecured debt, 123CreditFixed works with you every step of the way.

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION Call 805 385-1100 or email [email protected]

123CreditFixed: WHAT CAN HURT YOUR CREDIT SCORESCertain core features of your credit file have a great impact on your cr...
04/26/2022

123CreditFixed: WHAT CAN HURT YOUR CREDIT SCORES

Certain core features of your credit file have a great impact on your credit score, either positively or negatively. The following common actions can hurt your credit score:

MISSING PAYMENTS. Payment history is one of the most important aspects of your FICO® Score, and even one 30-day late payment or missed payment can have a negative impact.

USING TO MUCH AVAILABLE CREDIT. High credit utilization can be a red flag to creditors that you're too dependent on credit. Credit utilization is calculated by dividing the total amount of revolving credit you are currently using by the total of all your credit limits. Lenders like to see credit utilization under 30%—under 10% is even better. This ratio accounts for 30% of your FICO® Score.

APPLYING FOR A LOT OF CREDIT IN A SHORT PERIOD. Each time a lender requests your credit reports for a lending decision, a hard inquiry is recorded in your credit file. These inquiries stay in your file for two years and can cause your score to go down slightly for a period of time. Lenders look at the number of hard inquiries to gauge how much new credit you are requesting. Too many inquiries in a short period of time can signal that you are in a dire financial situation or you are being denied new credit.

DEFAULTING ON ACCOUNTS.The types of negative account information that can show up on your credit report include foreclosure, bankruptcy, repossession, charge-offs, settled accounts. Each of these can severely hurt your credit for years, even up to a decade.

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION Call 805 385-1100 or email [email protected]

"REMEMBER THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED"CALL TODAY FOR A FREE CONSULTATION AND SIGN UP FOR A C...
04/22/2022

"REMEMBER THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED"

CALL TODAY FOR A FREE CONSULTATION AND SIGN UP FOR A CREDIT REPAIR PACKAGE & GET A SECOND CREDIT REPAIR PACKAGE @ HALF PRICE

123CreditFixed: HOW TO IMPROVE YOUR CREDIT SCORE

A good first step is to get a FREE copy of your credit report and score so you can understand what is in your credit file. Next, focus on what is bringing your score down and work toward improving these areas.

HERE ARE SOME COMMON STEPS YOU CAN TAKE TO INCREASE YOUR CREDIT SCORE!

1.Pay your bills on time. Because payment history is the most important factor in making up your credit score, paying all your bills on time every month is critical to improving your credit.

2.Pay down debt. Reducing your credit card balances is a great way to lower your credit utilization ratio, and can be one of the quickest ways to see a credit score boost.

3.Make any outstanding payments. If you have any payments that are past due, bringing them up to date may save your credit score from taking an even bigger hit.

4.Late payment information in credit files include how late the payment was—30, 60 or 90 days past due—and the more time that has elapsed, the larger the impact on your scores.

5.Dispute inaccurate information on your report. Mistakes happen, and your scores could suffer because of inaccurate information in your credit file. Periodically monitor your credit reports to make sure no inaccurate information appears. If you find something that's out of place, initiate a dispute as soon as possible.

6.Limit new credit requests. Limiting the number of times you ask for new credit will reduce the number of hard inquiries in your credit file. Hard inquiries stay on your credit report for two years.

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION Call 805 385-1100 or email [email protected]

123CreditFixed: DO YOU KNOW WHAT HAPPENS IF YOU DEFAULT ON AN UNSECURED LOAN?Just because an unsecured loan is not secur...
04/20/2022

123CreditFixed: DO YOU KNOW WHAT HAPPENS IF YOU DEFAULT ON AN UNSECURED LOAN?

Just because an unsecured loan is not secured does not mean there are no consequences if you fail to repay the debt or fail to make your payments on time. Most creditors charge hefty late fees each month that your payment is not received on time. Also, if you have agreed to have your payments automatically deducted from your account and the funds to cover the payment are not available when your lender attempts to make the deduction, your bank account will most likely be overdrawn. This results in even more fees charged by your bank.

Late fees and insufficient fund fees associated with business loans can even be much higher, as business loans are not usually covered under federal and state consumer protection laws.

Simply not making your payment on time is known as a delinquency and can be quite costly. If you stop paying your loan altogether for several months, you will be in default on that loan. Once your loan goes into default, it will most likely be turned over to a debt collector. The debt collector will then begin calling you numerous times per day requesting payment on the debt. These calls will typically be accompanied by threatening collection letters in the mail. If neither of these collection tactics works, the debt will most likely be turned over to a professional debt collection law firm representing either the debt collector or the original creditor.

While most law firms will make an initial attempt to settle or collect payment on the debt from you, they are not required to do so. Other than a letter simply stating that they have taken over the debt and providing you with information where you can submit your payments, the only other correspondence you may receive from them is notification of a lawsuit requiring you to appear in court.

Once the lawsuit has been filed, your lender will be a lot less likely to settle the account or offer you reasonable repayment terms. This is because if the creditor wins the lawsuit, a judgment will be issued against you. A judgment is a court order declaring that you owe the debt and that it must be repaid. The unsecured debt then essentially becomes secured by the judgment of the court.

In addition to the numerous means of enforcing a judgment at the creditor’s disposal such as garnishments and bank account levies, the creditor may also report the judgment to the credit bureaus, which will significantly lower your credit score. The judgment can remain on your credit report for up to 10 years, whether you ultimately pay it or not, in addition to the other negative information on your credit report which can remain on your credit history for up to seven years. All of which will impact your ability to obtain credit in the future and lead to significantly higher interest rates on any credit you do eventually obtain.

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION @ 805 385-1100 or email us if you have a question @ [email protected] 123CREDITFIXED.COM

LLAME HOY PARA NO UNA, SINO DOS CONSULTAS GRATUITAS Y REGÍSTRESE PARA LA REPARACIÓN DE CRÉDITO Y OBTENGA UN SEGUNDO PAQU...
04/14/2022

LLAME HOY PARA NO UNA, SINO DOS CONSULTAS GRATUITAS Y REGÍSTRESE PARA LA REPARACIÓN DE CRÉDITO Y OBTENGA UN SEGUNDO PAQUETE DE REPARACIÓN DE CRÉDITO A MITAD DE PRECIO

Recuerde que no se puede exagerar la necesidad de un crédito excelente. 123CreditFixed se especializa en ayudarlo a comprender el crédito, así como su situación financiera. Ya sea que le ayudemos a negociar debido a una demanda que se ha presentado o negociando su deuda no garantizada 123CreditFixed funciona con usted en cada paso del camino.

¡La única manera de ir desde aquí es arriba

POMEDOS QUITAR:

PAGOS TARDES

COLECCIONES

LAS ANULACIONES

ROBO DE IDENTIDAD

INVESTIGACIONES DE CREDITO

FRAUDE

INFORMACIA PERSONAL INCORRECTA

CUENTAS CERRADAS

ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION
805-385-1100 [email protected]

CALL TODAY FOR A FREE CONSULTATION AND SIGN UP FOR A CREDIT REPAIR PACKAGE & GET A SECOND CREDIT REPAIR PACKAGE @ HALF P...
04/12/2022

CALL TODAY FOR A FREE CONSULTATION AND SIGN UP FOR A CREDIT REPAIR PACKAGE & GET A SECOND CREDIT REPAIR PACKAGE @ HALF PRICE

Remember the necessity for excellent credit cannot be overstated.123CreditFixed specializes in helping you understand credit as well as your financial situation. Whether we are helping you to negotiate because of a lawsuit that has been filed or negotiating your unsecured debt 123CreditFixed works with you every step of the way.

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION @ 805 385-1100 or email us if you have a question @ [email protected]

Address

300 S. 5th Street Suite F
Oxnard, CA
93030

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 3pm

Telephone

+18053851100

Alerts

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