If you're looking for good credit repair services, you need to develop the right mental attitude when doing your search. Approaching the search with the wrong attitude can lead you to disaster!
When you are out seeking credit repair services, what is the most important thing you look for? Most commonly the answer is, "the quickest way to get my credit score higher." However this approach is a very bad one - one which will actually lead you to choose the wrong credit repair service and in many cases, one that will use tactics of questionable legality to improve your credit.
Surprised? Confused? Let's look more closely.
If your priority is the fastest possible credit repair, you are leaving yourself open to scam credit repair services that use this "fast credit repair" idea to lure unsuspecting victims. Keep in mind these tips in order to choose the best credit repair services, and also avoid scam credit companies.
Tip No 1 - aboveboard credit repair firms never promise fast results to improve your credit. In fact, a trustworthy credit repair company will make you fully aware of what credit repair services you can expect.
You will have these credit repair services listed in the form of a contract. Make sure they do present you with a contract; if they fail to show you a contract, there can be no doubt that the company is out to rip you off.
Tip No 2 - All the above board credit repair companies will make you aware of your rights and provide you with guidance regarding the credit repair services you can do for free. Things such as how to get your free annual credit reports, finding the mistakes in your report, how to dispute those mistakes, sound financial management and the like, are the things you can take care of on your own at some point in time.
The company will explained to you what you can, with little effort, take care of yourself, and what requires the expertise of professionals. The value of the credit repair services that company is offering can be judged based on this first interaction.
Tip No 3 - No reputable credit repair agency will ever hint at using tactics that are illegal. There will be agencies that advertise "second" or "brand new" credit reports, complete "cleanup" of all negative items, overnight improvement of your credit and so on.
Please! Before you take such claims seriously, visit the Government site of the Federal Trade Commission (FTC) and read up on credit repair. This will make you aware of the fact that the credit repair services offered by companies such as these are fraudulent and very likely illegal.
Tip No 4 - All reputable credit repair agencies offer, included in their services, free, quality counseling. As we have already discussed, a legitimate credit repair business is always prepared to help you become financially self-sufficient.
They will be ready to offer you the best of credit repair services while at the same time, they will be happy to teach you what you can do on your own. If the agency is unwilling for you to learn about credit repair, contacting a credit bureau, and/or discourage you from taking any action on your own, then you can be sure that you are being taken for a ride.
Tip no 5 - The best tip I have saved for last, since it is likely to remain in your mind the longest. Check out whatever membership organizations to which the company belongs. As an example, many leading companies of this industry adhere to the code of ethics outlined by the ECRA (Ethical Credit Repair Alliance), which ensures that you - the customer - get the best possible credit repair services. Be certain that the company you choose is aligned with a regulatory body.
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