Zero BS Credit Repair

Zero BS Credit Repair Advocating for our clients with the credit bureaus to ensure accurate and correct credit reports, helping to remove negative items and file disputes

Nearly 80% of all people have errors on their credit report, leading to wide variations of score reporting across all 3 bureaus. We can assist with getting these errors corrected, updated and/or completely removed. What can we help fix?

- Removal of inaccurate inquiries
- Removal of inaccurate reports of late payments
- Removal of chargeoffs / bad debt
- Removal of bankruptcies
- Removal of negat

ive information and inconsistencies

How can we help you with a better credit score?

- Credit Education and Consulting
- Programs to Help Build Your Credit
- Help Boost Your Credit Score to qualify for that Auto or Home Loan at a lower rate
- Coaching to Avoid Common Credit Mistakes

While we cannot promise a score increase, as there are many factors that go into creating your score, we can promise that any creditor looking at your report when you need it the most will see accurate information! In 6 months, you should see a cleaner and healthier credit report. Some situations take longer to work on, but we start with the basics and work our way up. Sign up for your complimentary no-hassle credit report audit and review today! https://zerobscreditrepair.com or call/text 209-273-3339!

Here's a quick tip on how NOT to answer a phone call from a collection agency!Agents from collection agencies have ONE j...
08/16/2022

Here's a quick tip on how NOT to answer a phone call from a collection agency!

Agents from collection agencies have ONE job: To verify who you are and that you owe the debt! They are then paid a commission on what you pay and the agency makes a BIG profit.

So, how can you combat these agencies who call you to collect on a debt they think you owe?

1. NEVER say "Yes, this is " Instead, you can say "What can I tell them this is regarding?" The agent will not discuss anything further without you verifying your name - stand firm and ask them to tell you what this is regarding, and ask who THEY are.

2. NEVER confirm your address. Again, this is a piece of information they use to validate you OWE the debt.

3. NEVER confirm that you owe the debt! (Even if you really do owe it). This might make you feel like you are lying - BUT YOU'RE NOT! The debt you owe was to the original creditor - NOT the collection agency! You did not have a contract or business relationship with them, and you can fight their collection efforts!

So what CAN you say in response to their call?

"I am sorry, but I do not recall owing this debt. Please send proof of the debt with my signature to the address you have on file and do not call again. Have a great day!" HANG UP.

This is all you need to say, and under the law, the collection agency MUST send you proof of the debt, or cease contacting you. Also, they can ONLY call you between the hours of 8AM and 9PM.

Lastly, collection agencies are forbidden to harass you with multiple calls per day once you ask them to stop calling you. If they continue to call you, they are in violation of the law. Keep a log of the dates, times, and name of the person who calls you, as you can take legal action against these agencies.

Any questions? Definitely let us know! Call or text 209-273-3339 any time, we are here to help! Zero BS Credit Repair

Credit Repair Tips, Fix My Credit Today

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2680 N. Tracy Boulevard Suite 1
Tracy, CA
95376

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+12092733339

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