Financial Credit Network Inc.
Established in 1954 and located in Visalia, California, Financial Credit Network Inc. is a full service billing and debt collection agency which uses a variety of techniques in their attempt to collect consumer debt. Financial Credit Network Inc. purchases charged off accounts from original creditors and then pursues debtors in an attempt to collect more than they paid for the debt. Financial Credit Network Inc. is most commonly known to collect debt from non-English speaking consumers.
By federal law, collection agencies have the ability to place derogatory marks on the consumer's credit report, which can damage your credit score and may prevent lenders from approving you for new credit. With low credit scores, even if you are approved for the financing you desire, you can rest assured your interest rate will be high. In the midst of other laws, the Consumer Credit Protection Act allows the consumer to dispute, and potentially remove derogatory items to include charge offs and collection agency marks from your credit report.
I had an abundance of 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 Financial Credit Network 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 collection agencies like Financial Credit Network Inc. was more time consuming and upsetting than I could have possibly imagined 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. I quickly gathered that credit repair was most likely not going to be easy.
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 TransUnion and shows the deletion of an InoVision collection account, one late payment and two civil judgments. InoVision is a collection agency similar to Financial Credit Network Inc.
Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like Financial Credit Network 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.
