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Many of us hear the term “credit repair services” and automatically think it’s a scam. This is because many of them are, and are only trying to steal your money and drain your wallet. However, we will look at what an ideal, reputable, efficient and proven credit repair company does. This company helps people restore their credit quickly, usually within a few months. This can take at least a year for a beginner to try, if they are successful. The most important factor to keep in mind when looking for credit repair services is that it is a marathon, not a sprint. It takes a lot of time and resources to repair a credit report, so you need to find a company that is passionate about helping you and has a proven track record. We’ll also discuss tips and tricks you can use to make sure you pick a winning company to keep yourself and your wallet safe.
Let’s look at security first. This is the main concern when selecting a credit recovery company. A good credit repair company won’t have the words “wire” or anything like that on their site. They proudly accept check, credit or debit card payments just like any legitimate business. You do not send non-refundable money to them, or make any cash deposits into their account. These are the same trusted payment options you use everywhere, and credit cards are also backed by the credit companies’ award-winning fraud protection, so you can rest assured that you’re safe. Other companies that claim to really want to help you often trickle your wallet with $100 a month, falling back on the excuse that they never promised anything but would “try” to do their best for you. As much as it is true that nothing can be promised, because it is ultimately up to the credit bureaus, they live off that excuse to drain people’s wallets. A good credit recovery company is not like that, and you are welcome to ask one of their many happy customers.
Second, some sort of reasoning behind their services is what you are looking for. How can they help you? What can they get out of your reports? What is the lead time? Do they have examples of their work? These are all good questions to ask not only the company but yourself when seeking professional credit recovery help. A good company is different from the counterfeits out there in a number of ways. They show you a detailed, in-depth video of a consumer’s credit report. A video would be ideal so you can note the differences. They go over what their report looked like at one point, and also at another point to show the improvements. You want to see a time frame of about a few months. They should take the time to show you the basics of what they can do for you to build trust with potential customers.
By now you are hopefully leaning towards using a good credit repair company for your credit report problems. But how do they work? A good credit repair company works outside the government legislature to represent you fairly to the credit reporting bureaus. To ease some of your curiosity, their strategy involves using the Fair Credit Billing Act, Fair Credit Reporting Act, and the Fair Debt Collection Practices Act on your behalf. True knowledge and understanding of all of these pieces of legislation gives us the ability and confidence to legally challenge items in your credit reports. Each of these acts can be viewed at: www.ftc.gov. You may also be wondering how long it takes to see results. Once you get your credit reports from all 3 credit bureaus, a good credit repair company will aggressively remove the negative debt from your credit report. By law, the credit bureaus must respond to your dispute within 30 days of the actual claim, and you should certainly see results in your credit file within 30-45 days.
Hopefully the above paragraph has given you a reasonable idea of how they work. They’re basically like your lawyers, but for the credit bureaus! Trust them to work with you and you won’t be disappointed. If you have any questions, comments or concerns, get in touch! The first step to improving your financial future is enabling them to help you fight the harassing credit bureaus. You can also try to solve your credit report yourself, but when a novice tries that, the credit bureaus record every dispute, so this can make things more difficult later when you try to seek professional help. Let the experts help you right from the start! It is important that you do not contact the credit bureaus and seek disputes without knowing what you are doing. This can only hurt you and make you look less seriously at them, and they will try to take advantage of that. You need to make it clear to them that you mean it, and having a professional outfit represented for you is generally the best option.
So why hire a professional outfit to represent you professionally? It’s gotten to the point where almost everything is based on your credit history. With a better and more accurate credit file, you can receive lower credit card and mortgage interest rates, lower auto finance costs, lower down payments, lower insurance rates, and more pre-approved credit. Most of all, restoring your credit will give you more peace of mind and also eliminate certain stress. So you can benefit greatly by using professional services. Most important things in your life, such as your car, job, financial standing and job, can all be affected by how good your credit report is. If you are in a position where you need credit repair assistance, you should consult a professional company that specializes in removing derogatory comments about your accounts, removing accounts that are in collections, and other bad histories in your credit report that can prevent you from obtaining future loans, having to meet higher interest rates and other obstacles in your financial future. You may also want to secure your credit quickly in case you need to take out new loans for a family emergency, a new vehicle, a new job, or even a new home.
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