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Anyone with bad credit should work really hard to clear out those negative items and get that score back up. Since it can be a difficult process, it can be to your advantage to partner with one of the best credit repair companies and let them do all the hard work. The do-it-yourself approach isn’t for everyone – especially those who have been through a lot of financial hardship and have very low scores.
It should be noted that credit repair companies are not the same as credit consultancies. The first will cost you money, but you never have to pay upfront (if they try to charge you upfront, it’s probably a scam). A good repair shop will check your credit reports and identify any negative items and then determine if any of them are questionable. It will use all legal means to have these items removed by communicating and negotiating with the credit bureaus and credit companies.
Since you want them to use only legal resources, it’s a good idea to choose a firm with a network of attorneys and paralegals who will work on your case. The best credit repair companies have many positive reviews and high ratings on the internet. Also check the social media profiles of any business you are considering.
Another benefit of legitimate credit repair services is that they can send cancellation letters to collection agencies that have harassed you.
Best credit repair companies for your situation
Since each individual’s credit situation is unique, a credit recovery company will use an approach that will meet your specific needs. There will be some basic steps that they follow at the beginning when they request copies of your credit report and check for errors to give you a free consultation. From there, they will start planning the necessary, specific steps and methods to improve your creditworthiness.
Ideally, a trained attorney or paralegal will go through your reports with you and explain each questionable item, and let you know which (if any) accounts in your reports may be subject to dispute. Usually there are different prices/levels to choose from, from standard to premiere. The default option will suffice for most people as it covers the most important services such as desk challenges and creditor interventions. Again, never pay anything upfront. Request a free consultation first.
Where can you get free advice? Where do you start in your search for the best credit recovery companies? Lexington Law is a good option in many states. Find out if this company offers services in your area and get your free consultation ASAP.
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