Phone number (800) 400-ZINU(9468)

What do I have to do?

START UP INSTRUCTIONS:
Call 800-400-ZINU(9468) and ask for an application. We can take your information over the phone or we can mail/email you the paperwork or you may Fax these documents to 866-802-3705 or you can Fill out the online form and an credit repair expert from Zinu Inc will call you at the earliest! Be sure to include copies of your personal information necessary to begin the process. A list of acceptable personal information is listed on page two of the credit repair package.

a) Photocopy of your Social Security Card
b) Photocopy of your pay stub displaying your full social security number
c) Photocopy of your W-2
d) Photocopy of your Health Insurance

Card that contains your full Social Security Number
CURRENT PICTURE I.D. (one of the following)
a) Photocopy of your drivers license
b) Photocopy of your State I.D.
– See more at: http://www.zinucreditrepair.com/FAQ-credit-repair-service#sthash.xTVnyCus.dpuf

How much does bad credit cost?

AUTOMOBILE FINANCING

It costs approximately eight thousand dollars ($8,000.00) to finance a twenty thousand dollar ($20,000.00) car over the course of five years.

HOME MORTGAGE
It also costs approximately one-hundred-thirty thousand dollars ($130,000.00) over the course of thirty years to finance just a $100,000.00 one-hundred thousand dollar home.

CREDIT CARDS
An individual with bad credit will not be able to obtain a prime credit card. There are a few credit cards available for individuals with bad credit, they are called sub-prime credit cards that usually come with exorbitant set-up fees, high interest rates and often require cash deposits. Most of these credit card issuers do not report your positive credit card activity to the credit bureaus.

Over time does the deleted account reappear?

It is possible although the way in which Zinu Credit Repair disputes and contests the procedure in which the original creditor used to go about submitting the account to the credit bureaus minimizes this possibility.

Does paying off past due accounts help to improve my credit ratings?

To a very limited extent. The best way to improve a person’s credit rating is to remove the negative item from their credit profile.

What will happen if I get inaccessible details relating to my recent credit report?

If you face any type of disputes like inaccurate details on credit report, you need to notify it immediately to FCRA and request them to change it.

In how many ways credit scores are calculated?

However, different agencies like Equifax, Experian and Transunion use their own methods to calculate this score. Equifax does it in terms of the BEACON score while Transunion offers the score of EMPIRICA and Experian promotes score of Fair Isaac Model.

There are many elements which influence your credit scores. The credit score primarily calculates at 35% of your history of payment, 30% on debt amount that you pay, 15% on your reference history, 10% on different credit methods, and 10% on having new accounts of credit.

What type of credit score is good?

There are many elements which influence your credit scores. The credit score primarily calculates at 35% of your history of payment, 30% on debt amount that you pay, 15% on your reference history, 10% on different credit methods, and 10% on having new accounts of credit.

Can I get a free report of credit?

Yes, you can get credit report every year under the act of Fair Credit Reporting. You can get this credit report upon request from these credit bureaus.

In how many ways we can request a credit report for free?

You can order credit report freely in three ways:

By visiting the website of www.annualcreditreport.com offered by three credit bureaus with the copy credit report

Get by dialing toll free phone number 1-877-322-8228

Get it by filling form of Annual Credit Report Request and then mail to the specified address.

What is the main function of the credit bureau?

This credit bureau makes complete record of consumer’s credit history. It prepares their credit reports which represent each salary detail of that individual. This credit reports also maintains individual’s personal information like name, official and residential address.

There are three main credit bureaus named as Equifax, Experian and Transunion which makes credit report. These bureaus collect data from borrowers/creditors, debt accumulation bureaus and courts. After collecting reliable credit information, these firms accumulate it into precise credit report that shows the creditability of an individual. Usually these credit reports statements are evaluated by creditors before they think about credit extending.