A Reliable Credit Repair Company in Philadelphia
Living with little credit or bad credit can make life challenging. With a poor credit history, many people struggle to find financial institutions willing to lend them money. Companies may charge more for vital services, and financing may be costly, with increased interest rates making these options expensive.
Coulter Credit is a Philadelphia credit repair company that exists to meet these kinds of needs. We know how difficult it can be to get out from under debt and poor credit, and our services are engineered to help customers live their best lives without breaking the bank. We also know that repairing credit is not just about spending less or getting a credit card. A holistic approach can help you realize your goals and attain freedom from crushing debt if you want to rebuild your credit.
As a reliable credit repair company in Philadelphia, Coulter Credit will give you all the knowledge you need to start your journey toward all the possibilities good credit can afford you.
YOUR FIRST STEP TO BETTER CREDIT: A FREE CONSULTATION
Since we are just getting to know each other, we want to make your first step as easy as possible. Here is what you can expect in our first phone call:
- Quick 15 minute conversation covering your needs
- Friendly advice on your situation
- Analysis to help you decide if we are good fit for you
- Actionable next steps to help you toward your goals
Why Should You Want To Repair Your Credit?
Many of us were not taught in school the importance of credit management. Life is not always a simple matter, and we’ve all ended up in tight spots. Millions of people have defaulted on debts or made poor spending decisions due to necessity or simply because they didn’t know better.
You are not alone if you have ever had collections that make your financing more complicated. Events can lead to a vicious cycle: you are in debt, and you can’t get any credit to get yourself out of debt, so you can’t pay off your debts, and so on. While it may seem impossible to get out of this situation, the good news is that you can.
At Coulter Credit, leaders in credit history repair in Philadelphia, PA, we have made it our mission to help people quickly and dramatically improve their lives. You don’t have to live forever with the financial consequences of a poor purchase or painful divorce years ago.
Repairing your credit is affordable and more attainable than you might believe, and with a free consultation, we can show you how.
Common errors in credit reports
According to the Federal Trade Commission, almost 79% of credit reports contain errors. This staggering statistic means your credit history is likely fraught with mistakes and unverifiable negative impactors.
Misreported payment dates are one of the most common credit errors we receive as a Philadelphia credit repair company. While this may come down to a simple typo from the lender, the problem is that it significantly impacts your credit! The lending agency is not paying your bills or living your life, so it may feel unfair that their mistake can cost you so much. That’s because it is unfair. Coulter Credit began with that very same attitude. Why should the errors and unfair practices of the agency negatively affect your life?
Another common type of error is unverifiable charges. We feel that if the collecting agency does not have accurate data regarding the charges, they have no right to put it on your credit report.
As a company, our average is correcting 65% of disputed items charged to an individual’s credit report. These corrections may mean deletions from your credit history, or it might be a matter of reverifying dates to remove late payment marks. These commonplace errors plague many credit scores worldwide, and many feel that these errors are too tricky to fix. That’s when you should consider calling in the professionals. Coulter Credit knows exactly how to do it.
There’s a reason we feel we’re the best credit repair company in Philadelphia. It’s because we have been there and know how much you deserve a chance to improve your life.
Benefits Of Better Credit
Imagine the benefits of better credit in your life. Maybe that car, boat, or even the house you’ve always wanted is suddenly within reach. With bad credit, getting a loan for such high-value items can be almost impossible. However, with a solid plan and a rebuilt score, you can find lenders willing to work with you and reduce the interest you’ll have to pay:
Buy or Refinance Your Home
Accomplish Your Financial goals
Purchase a New Vehicle
Lower Your Interest Rates
Qualify for a better job
Get approved for Credit Cards
Reduce Stress In Your Relationships
Save Thousands of Dollars a Year
Philadelphia Credit Repair Laws
Like many states, Pennsylvania regulates credit repair through federal and State laws. The Credit Repair Organization and Consumer Credit Protection Acts apply to the State of Pennsylvania, including our hometown of Philly. These laws exist to protect consumers from predatory behavior by credit repair companies, and a Philadelphia credit repair company can help you understand the laws that may affect you and your credit score. Coulter Credit was established specifically to help people protect and repair their credit, including from dishonest repair services. You can rest assured that you are safe at a federal level and also with Coulter’s award-winning service.
Coulter Credit’s Guarantee
While we cannot promise to fix all your bad credit overnight, Coulter Credit knows everything you need to start boosting your credit scores and improving your life today. We proudly serve our community and help our customers regain control of their finances. Coulter Credit isn’t just the best credit repair company in Philadelphia; we serve all the following areas with our distinct brand of professional courtesy and high-quality service.
- Philadelphia area
- Chester County
- Lancaster County
- Delaware County
A vast majority of credit reports contain errors. Of these errors, on average, our credit experts remove up to 65% of disputed items, and we offer clear solutions to begin stabilizing your finances and making better plans. We guarantee that your case is not hopeless. It’s never too late to start planning toward a brighter future, and Coulter Credit will take it a step further. We want you to act. Repairing your credit score is only one part of the process.
If you have questions or wonder how you can also find freedom from painful debt and the consequences of poor credit, Coulter Credit is your best bet for your best credit. That’s our goal!