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Credit Adjustment Board Inc.

 

Credit Adjustment Board Inc. is a full service collection agency located in Richmond, Virginia serving credit grantors throughout Virginia and the Mid-Atlantic. Credit Adjustment Board Inc. specializes in debt collection and uses numerous techniques in order to conduct business such as electronic data transfers, monthly collection statements and reports, skip tracing, litigation support and the reporting of derogatory information to the credit bureaus.

As numerous collection agencies have been reported to use unscrupulous techniques in their attempt to collect consumer debt, numerous laws to include the Fair Debt Collection Practices Act have been passed to ensure the consumers’ protection and hold collection agencies to a higher standard of operation. Although these laws have been put in place, many collection agencies are still known to operate illegally by using deceitful techniques in their attempt to collect consumer debt. To further protect American consumers, various other laws such as the Consumer Credit Protection Act have been passed that allow the consumer to dispute and potentially remove the negative marks placed on their credit file by collection agencies that use illegal techniques in their attempt to collect debt such as the frivolous reporting of derogatory information.

I had numerous tax liens, collections, charge offs and judgments being reported on my personal credit file that were damaging my credit score and affecting my ability to obtain credit. Deciding it was time to do something about it, I attempted to perform credit repair myself by contacting collection agencies similar to Credit Adjustment Board Inc. in an attempt to negotiate some kind of arrangement with them in order to remove the negative information on my credit report. Dealing with all of the collection agencies like Credit Adjustment Board Inc. was more time consuming and frustrating than I could have pictured but even worse, none of the collection agencies were willing to work with me and continued to report the damaging information to the credit bureaus. It didn't take long for me to understand that credit repair wasn't going to be effortless for me to do myself.

I needed results and didn't have the patience or hundreds of hours it was going to take so I contacted Credit Restoration Bureau and they immediately began working to repair my credit. They were able to raise my credit score by deleting various types of derogatory items from my consumer credit file such as late payments, collections, charge offs and judgments (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. Each time I received an update from Credit Restoration Bureau, I was delighted to see they were continuing to have a positive effect on my credit score. By the time Credit Restoration Bureau was finished, my scores had all gone up approximately 150 points and I was in the 700s. They had truly given me a fresh start.

Here is one of the update letters I received from the credit bureaus. This one is from Equifax and shows the deletion of one civil judgment and two collection accounts placed on my credit report by Credit Adjustment Board Inc.

Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like Credit Adjustment Board Inc. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes to include: late payments, collections, charge offs, bankruptcies, tax liens, civil liens, foreclosures, repossessions and more.