Even if you know enough about credit reporting agencies to be able to successfully repair your credit, the process can still be complicated and time consuming. This is why many people prefer to seek help from a reputable credit repair company. Plus, the fact that you won’t have to pay anything upfront anyway makes purchasing this type of service a smart thing to do.
If you are concerned about scams, familiarize yourself with the laws pertaining to the credit repair industry and what red flags to look out for. For example, any company that asks for money up front is definitely a scam. You should always be given a FREE consultation FIRST. Also, if a company tries to offer you specific guarantees, such as “INCREASE YOUR CREDIT SCORE BY 100 POINTS IN JUST 2 MONTHS!”, It is very likely that it is a scam, since there is no way of knowing exactly how your credit is will be affected and how / if the score increases.
What an honest company will do is first give you a free consultation to let you know if there is anything they can actually do for your case. If they can help you, they will tell you what steps they will take and what you will need to do on your part. You may have to pay a fee for the business to obtain your credit report; this is not unusual. You should have a paralegal who will work with you every step of the way.
What else will a reputable credit repair company do?
A trustworthy credit repair company will constantly follow up with both the credit bureaus and you. Communication is very important when it comes to this type of service. Plus, a good credit repair service will be 100% dedicated to helping you, and you won’t be put off or put off by credit reporting agencies. You’ll want someone to really fight for you and will do everything legally possible to remove negative items from your reports through a variety of methods, such as writing effective dispute errors and negotiating with agencies and creditors.
Pick a company that won’t charge you until they have started working for you and you can see proof that they are doing their job as promised. One such trusted credit repair company is Lexington Law. It offers services in several states and has a very high reputation. You can call 1-800 or register online for a free consultation.
