cREDITOR SOLUTION

Getting It Done Right!
Our highly skilled Advisors will will arrange to get your interest rates and monthly payments reduced to an amount that you can afford to pay. From that point forward, you no longer have to pay high interest rates and fees.

SINGLE pAYMENT

Simplify Your Life!
All of your unsecured debts are consolidated into one simple, manageable reduced payment. The funds are automatically forwarded to your creditors on your behalf. A single payment makes budgeting and bill payment much easier for you.

YOUR CREDIT SCORE

Restoring Your Credit!
With some of our credit and debt settlement options once you settle an account, your creditor or collection agency removes the account listing and any negative remark from your credit report. This saves your credit from getting a hit.

Informative Links

Consumer Rights and Education

CredEx Choice wants to educate you about your consumer rights by providing valuable information and resources. The Federal Trade Commission (FTC) has been protecting American consumers and advancing consumer interests since 1914. In protection of consumer credit information, the FTC enforces the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). The FCRA is a federal law that regulates how credit reporting agencies use your information.


About the Fair Credit Reporting Act (FCRA)
The FCRA was enacted in 1970 amended in the late 1990s and amended again in 2003. It regulates the collection, dissemination and use of consumer credit information. For example, the FCRA governs how credit bureaus maintain, share and correct information in credit reports. Consumers can request that inaccurate information be removed from credit files. The FCRA, along with the Fair Debt Collection Practices Act (FDCPA), forms the base of consumer credit rights in the United States.


The FDCPA is a federal law that requires that debt collectors treat you fairly and prohibits certain methods of debt collection.


The FDCPA prohibits certain types of “abusive and deceptive” conduct when attempting to collect debts, including:

  • Hours for phone contact: contacting consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time Communicating with consumers at their place of employment after having been advised verbally that this is unacceptable or prohibited by the employer. A follow-up letter may be necessary in extreme cases. Threatening arrest or legal action that is either not permitted or not actually contemplated
  • Abusive or profane language used in the course of communication related to the debt Communication with third parties: revealing or discussing the nature of debts with third parties (other than the consumer’s spouse or attorney) or threatening such action Refer often to the FTC Office of Public Affairs for the latest information on your rights.

 

Web site disclaimer: Many factors are involved in debt settlement, making the experience and result unique for each individual. Some of these factors include personal circumstances, the individual’s ability to save funds, creditor and collection agency involvement and willingness to settle, and an individual’s perseverance to complete a debt settlement program. CredEx Choice does not assume or pay any of a client’s debt and does not provide legal advice nor offer credit repair. This Program is not available in all states. Please talk with an Enrollment Agent to ensure you understand our contract and contract terms before enrolling. By using this site, you acknowledge that you have read and understand our Terms of Use.

Helpful Reminders - Be Cautious With New Credit!

Here at CredEx Choice we know how dangerous and tempting instant credit can be for many of us. It is very likely that you are here visiting our website because you need help with credit card debt or have unsecured debt problems.

Should you choose our expert credit resolution team to assist in getting you out of debt and restore peace of mind we strongly suggest you take precautions regarding future credit offerings...

Chances are you've received "pre-approved" credit card offers in the mail. Examine the fine print carefully before you accept any offer for a credit or charge card. Look for:

  • The Annual Percentage Rate (APR). If the interest rate is variable, how is it determined and when can it change?

    The periodic rate. This is the interest rate used to figure the finance charge on your balance each billing period.

    The annual fee. While some cards have no annual fee, others expect you to pay an amount each year for being a cardholder.

    The grace period. This is the number of days you have to pay your bill before finance charges start. Without this period, you may have to pay interest from the date you use your card or when the purchase is posted to your account.

    The finance charges. Most lenders calculate finance charges using an average daily account balance, which is the average of what you owed each day in the billing cycle. Look for offers that use an adjusted balance, which subtracts your monthly payment from your beginning balance. This method usually has the lowest finance charges. Stay away from offers that use the previous balance in calculating what you owe; this method has the highest finance charge. Also don't for get to check if there is a minimum finance charge.

    Other fees. Ask about special fees when you get a cash advance, make a late payment, or go over your credit limit. Some companies charge a monthly fee regardless of whether you use your card.

    The Fair Credit and Charge Card Disclosure Act require credit and charge card issuers to include this information on credit applications. The Federal Trade Commission offers a wide range of free publications on credit and consumer rights at www.ftc.gov. The Federal Reserve Board provides a free brochure on choosing a credit card and a guide to credit protection laws at www.federalreserve.gov.

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