Credit Repair Services - 5 Tips To Get The Best

If you are seeking credit repair services, what is the first issue you look for? Most likely the answer will be, "the fastest way to improve my credit score." But this answer is the wrong motivation factor - one which will actually lead you to choose the wrong credit repair agency and a lot of times, one that avails of illegal means to raise your credit score.

Are you wondering why this is? Let's examine the reasoning.

When you make "fast" credit repair your priority, you become vulnerable to corrupt credit repair services that use this "fast credit repair" idea to lure unsuspecting victims. Allow me to introduce you to five foolproof tips that will help you choose the most competent credit repair services, and not get involved with corrupt credit companies.

Tip No 1 - reputable credit repair professionals never advocate quick-fix methods to help your credit report or score. The fact is, all legal and reputable companies will be very forthcoming about what credit repair services can be expected.

They will present you a contract outlining their credit repair services. Be sure you do have a contract; and if they do not present you with a contract, it's a dead giveaway that the company you are considering and the credit repair services they offer are fraudulent.

Tip No 2 - All reputable credit repair companies will make you aware of your rights and guide you regarding the credit repair services you can do for yourself. Things such as getting a free annual credit reports from the three bureaus, detecting errors in your report, disputing those errors, managing your finances and the like, are the things you can take care of on your own at some point in time.

The company will teach you what you can, with little effort, take care of yourself, and what is better left to their expertise. The quality of the credit repair services offered by a company can be well judged from such preliminary interactions.

Tip No 3 - No legitimate company will ever suggest that you bend or break the law.

There will be agencies that advertise "second" or "brand new" credit reports, complete and guaranteed removal of bad entries, immediate improvement in your credit score and so on.

Please! Before you take such claims seriously, visit the Government site of the Federal Trade Commission (FTC) and checked out what it says about repairing your credit score. This will make you aware of the fact that the credit repair services offered by companies such as these are fraudulent are even worse, illegal.

Tip No 4 - Every trustworthy credit repair business offers, among their services, free and highly qualitative counseling. As explained earlier, an ethical credit repair company will always be ready to handhold you along the path to financial self-sufficiency. They will provide you high-quality credit repair services and at the same time show you what you can handle on your own. If you find the company is not willing to teach you in matters regarding credit repair, contacting a credit bureau, and/or leads you to believe you can do nothing by your own efforts, then you can be sure that you are being taken for a ride.

Tip no 5 - I am leaving the best tip for last, because this is what will remain in your mind long after you finish reading. Check out whatever membership organizations to which the company belongs. For instance, many leading companies of this industry align themselves to the codes of conduct laid out by the ECRA (Ethical Credit Repair Alliance), which ensures that you - the customer - get the best possible credit repair services. Check out and ensure that your chosen agency is part of an ethical and nationally recognized regulatory body.