When it comes to fixing your credit report, you have two options: the DIY approach and enlist the help of professionals, who will perform the service for you and take care of all the hard work. However, since scams obviously do exist, you need to be very careful who you choose. You don’t have to spend a fortune as there are some affordable credit repair companies. You just have to watch out for the red flags. For example, never trust a company that tries to charge you a fee up front. Only consider organizations that offer free consultations.
Before contacting any credit repair company, you should first request copies of your credit reports and review them yourself. If there are only a few minor issues, then the DIY approach might be ideal after all. You just need to search online for sample letters to send to credit bureaus and lenders. Some patience will also be required as it will take a while for them to come to a decision and give you an answer.
If you’re not entirely sure how credit reports work, or if you’re confused by some of the negative items, it’s probably best to let the professionals do it for you. As long as you choose a legitimate service, they will be able to get a response faster than you would if you did it on your own.
Some affordable credit repair companies offer multiple levels of service depending on how bad your credit scores are and how many items need to be removed. Some negotiation may also be required, in case creditors disagree.
What Affordable Credit Repair Companies Can Dispute
What type of information can be disputed? Anything that is obviously wrong, like your misspelled name or typos. If you have been a victim of fraud, anything the identity theft has done using your name and social security number could be disputed, although you may need legal assistance to do so. There are also factual errors, unsubstantiated accounts, and outdated information that can be disputed.
If you are concerned that some of the items may be difficult to remove, then your best course of action is to go to a credit repair company that has a network of attorneys and paralegals. This company must provide you with a legal assistant who will personally help you with your case.
Of all the affordable credit repair companies, most people trust Lexington Law. Offers services in most states and assigns each client a paralegal. There are three levels of service to choose from. Check Lexington Law discounts today to find out if there are any current deals or savings available. A personalized consultation is always free.
