Credit Repair Companies Reviews

Finding the best credit repair services can be very difficult, but it is extremely important that you do so when dealing with something as important as your credit. Credit repair should not be a service that you pay for out of convenience; it is a service you should put in the hands of experts who know what they are doing and can really help you.

Credit and credit repair are much more complex than many will have you believe and many financial companies don't even really know how credit scores or credit reporting works. Below is a list of credit repair services and companies with reviews based on our opinions as well as consumer opinions and experts opinions in the industry. We encourage you to always do your research when looking for a credit repair company and hopefully this site will help you to make an informed decision.

In our opinion one company clearly is head and shoulders above the rest and we have listed CRE Credit Services as our top ranked company. Most credit repair review sites are paid by the companies they review when someone signs up with them. Our site is not an affiliate program and we do not get paid from any for leads or enrollments. Our site is funded by visitors going to our resources tab above and selecting our offers for credit cards, credit reports, and other financial benefits to help you start to build your financial and credit foundation.

More serious entries such as repossessions and foreclosures will stay on your report 7 years, even given exemplary management of your finances. Bankruptcies can remain on your credit report for 10 years. If you are given guarantees of a fast removal, you can be sure of fraud. 7. Not given a contract,

Many people will be saved from the pain of being defrauded if they insisted on a written contract; and according to the law, this is your right. The ripoff artist are opposed to offering a contract, and if they do present one, there will be an absence of information on aspects of the services, the amount of the payments, and so on.

You will learn a lot about these businesses by looking at the contract. If they do not offer a contract for any reason whatsoever, do not hire them. 8. If anything is guaranteed, beware! Not even the most experienced organization will guarantee anything as far as the results of their service they provide. They can realistically promise to use all legal means to improve your credit score.

But to guarantee results is a different matter entirely. However, the unfortunate reality is, people prefer to hire a organization when they are told what they want to hear, rather than hire a company who is telling the truth. Do not fall into this trap! Even though you would prefer to hear about guaranteed results, credit repair companies that guarantee results are ripoffs.

9. See if counseling services are offered. A good many credit repair companies will offer free counseling services. If the organization under consideration is not offering them, look a bit beyond. It might be an organization unworthy of your trust. Reputable companies will educate their clients about repairing credit. The company performs those services that are for those matters that require professional expertise toward improving the credit scores.

Because the credit bureaus do a very bad job of keeping accurate records, the probability is very high that the details of any one trade lines contain errors. But credit repair companies that tell you to state "this account is not mine" even if it is, must not be trusted. As you can see, there is no shortage of red flags to warn you against scams. Before anything else, before you hire credit repair companies it is to become knowledgeable regarding credit repair matters. In addition you need to educate yourself regarding laws pertaining to the credit repair business before looking for a credit repair company. A good beginning is to visit the web sites of the FTC Bureau of Consumer Protection and the Ethical Credit Repair Alliance.

Since no two Credit Reports are the same, we give you a FREE consultation so we can map out a plan of action to fit your specific needs and goals. You get complimentary access to Client Tracking Portal. You get to track your results every step of the way so you’re never in the dark. Unlike other Credit Repair Companies, we don’t charge you extra for deletions. We dispute EVERY negative account on your Credit Report every single month.

Legitimate credit repair companies must abide by the United States Credit Repair Organizations Act, or CROA for short. This is a set of laws that was set up by Congress back in the 1990s to protect consumers from the many predatory practices then prevalent in the industry. CROA protects consumers from bad companies, but also stipulates responsibilities on the consumer’s part: Basically, you may not lie about your history or try to create a new identity in order to escape from it.



Thanks to CROA, however, consumers have a basic level of protection when it comes to trying to fix their scores, which are more important than ever these days. In large part on account of the economic tumult, agencies have raised the bar and thus what was once a good if middling score is today mediocre at best. This makes having a good rating more important than ever - and services more necessary than before.