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One industry that is really notorious for scams to this day is the “credit fixing” industry. However that doesn’t mean that there aren’t some legitimate services that can really help you out. You just need to know how to spot the genuine credit fixing service from the scams. A big red flag that a service is a scam is that it makes some outlandish claim or a “100% guarantee”. There are no “100% guarantees” when it comes to credit repair, other than the guarantee that a company will do everything it legally can to help you, but the results themselves can’t really be guaranteed.
Why opt for credit repair services if results are not 100% guaranteed? Because they simplify the process of removing errors from your report and handling disputes with creditors. You can do many of these things yourself, but the process can be very time consuming, and it really helps to have legal experts by your side. Speaking of which, one important thing to consider when choosing a credit fixing service is to find a company that is either run by an attorney or has a network of attorneys who will help you with your case.
Never, ever pay money up front. Run away from any company that asks you to do this. At the very least, they should give you a free consultation. Tell them about your situation and that you feel there are some mistakes that need to be addressed. Have them take a look at your case to determine whether or not they’ll really be able to help you.
Credibility of Credit Fixing Service
Any company that claims to help you fix your credit score should be absolutely clear about what they can and cannot do in your case. If there is nothing they can legally do to help you, you should inform them about it. What a good company can do is help remove negative items if they are there either by mistake or if there is some dispute about whether they should be there or not. Make sure they evaluate all three of your credit reports: Experian, Equifax, and TransUnion, and that they consult with you about what they can do to help (if anything).
If there are items on any of these reports that may be disputed, the ideal company will file a dispute on your behalf using helpful, legal strategies that provide a high rate of success. Pay only when they start doing the process.
One of the most important things to consider is communication. Ideal credit fixing service Must provide good customer support and be ready to answer any questions you may have in a timely manner. You should start with Lexington Law, which provides services in most states. Lexington Law offers a free, personal consultation regarding your credit score.
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