How Debt is Holding Texans Back and Why Credit Restoration Should be Considered?
Why do I even need to look into credit restoration when not all debt is bad and not every mistake is even that damaging, right? While not all debt is deemed as harmful, the majority of it being carried by Texans is actually hurting their credit a lot more than actually helping. A study conducted by LendingTree shows that on average 60% of Texans carry auto debt, which only accounts for 44% of non-mortgage debt; while 82% of Texans carry credit card debt, which only accounts for 20% of non-mortgage debt. Trust us when we say that unless you’re regularly monitoring your credit, you could be in for a world of shock and hurt when you finally see what all of those small “mistakes” add up.
In no way are we trying to scare you away from ever using credit again, especially if you’re looking into fixing your current standing, but we are trying to advocate for responsible use. According to a financial literacy survey conducted by the National Foundation for Credit Counseling, 62% of people carried credit card debt in the last 12 months and more than 80% of U.S. adults agreed that they would reach out for help if need be. We don’t mean to put anyone on the spot, but there’s no reason anyone should have to stress about their credit throughout the course of a year. If you currently feel like your credit card debt, missed/late payments, inquiries, collections, or a variety of other credit factors have gotten out of hand, then we think it’s about time you teamed up with a legitimate credit restoration company.
While the credit restoration industry gets a bad rep because of scam companies, not every corporation is looking to make your situation worse than what it already is. Take The Credit Agents for example, their goal is to fix your credit legally, so that you can stop stressing about everything going wrong and start enjoying the benefits of responsible credit use. Don’t you want a company that’s looking out for your best interests all without breaking the bank?
The Credit Agents’ Role in The Credit Restoration Industry
The Credit Agents have been working hard to improve the lives of thousands of consumers, all throughout the state of Texas. TCA has been in the industry for over a decade and in this time they’ve managed to earn the top credit restoration company spot throughout Texas, a 4.8 star rating, and over 2,500 Google reviews. Consumers that choose to work with The Credit Agents regain a little peace of mind because there’s more than enough proof to know that they’re in good hands. In addition to restoring consumers’ credit, TCA also makes an effort to combat credit illiteracy; they have this blog, a variety of informative social media platforms, and a team that is more than willing to clarify any question or concern you may have.
What exactly would The Credit Agents be doing for me though? Think about credit restoration companies like a personal assistant or middleman; they handle everything from dealing with the bureaus, to collection agencies, to debt collectors, and so much more, all on your behalf. While it’s not impossible to restore your credit on your own, it can definitely feel like a bit much when you have to reach out and come to some sort of agreement with all of these third party institutions or companies. We know that credit restoration can seem overwhelming and intimidating because of all of the unknown legalities and processes, but we can also assure you that our experts know what they’re doing.
What Does The Credit Repair Process Look Like When You Work With The Credit Agents?
Every individual’s credit restoration process is going to be a bit different depending on their situation, remember there is no one size fits all solution when it comes to restoring your credit. Before you even decide to team up with The Credit Agents, you’ll first start off with a free-15-minute credit consultation; at this point you’ll talk to an expert and decide whether or not our program would be a good fit for you. The last thing we’d want to do is take your money if we know that our services won’t really have a positive impact on your credit situation.
Once your credit consultation is over and you’ve decided to team up with TCA, your expert will start walking you through your personalized plan. Part of that plan includes setting up a credit monitoring system, so that both you and your agent can make sure that your credit score is headed in the right direction. Credit monitoring won’t hurt your pockets as much as you think it will, in fact it’d be beneficial if you made it a habit to check up on your score and report even after your credit has been repaired.
Aren’t All Credit Restoration Companies The Same?
Just like every mechanic, doctor, lawyer, engineer, etc. has their own speciality, so does every credit restoration company; in other words, while they all might help fix your credit in some way, one might specialize in something the other does not. Take The Credit Agents for example, they do so much more than just deal with the credit bureaus, they also deal with:
- Third Party Collections
- Debt Buyer Collections
- Tax Liens
- Medical Collections
- Charge Offs
- Broken Leases
- Identity Theft
- And so much more.
Thankfully, after being in the industry for over a decade, The Credit Agents can proudly say that their specialities vary and they’re not just limited to helping one type of consumer. After gathering information, strategies, tips, and anything useful relating to restoring your credit, The Credit Agents are here to pass it all along to their clients. Are you ready to team up with a credit restoration company that has your goals in mind and best interest at heart, if so then The Credit Agents will be here waiting for you?