Many people ask "Can credit repair companies help?" when they are faced with a credit crisis. Find out if these companies help or do more damage to your credit.
You check your credit score for the first time in years – or perhaps ever – with hope in your heart. Then that hope is crushed with a credit score that leaves you in the fair, bad, or even very bad category. Your next thought may be something along the lines of, “I need a credit repair company ASAP!”
Depending on why you’re checking your credit score at this time, you may feel desperate to bring your score up 20 or even 100 points as fast as possible.
Maybe your ability to buy a home or get a reasonable interest rate on a new car is on the line:
It’s time to dive into the details of credit repair companies at their worst and best. We’ll also provide a quick checklist to help you select a good credit repair specialist if you decide you need some help along the path to excellent credit. Of course, we’re always here to guide you along the way, whether you go the DIY or paid service route.
Can credit repair companies help you clean up your credit faster than you can do it yourself?
A good credit repair company will use legal and applicable strategies to your situation. They will come armed with various credit repair techniques, and they will create a customized credit repair plan designed to help you identify and reach your financial goals.
They won’t make a generic, limited approach for every client. They also won’t use shady or unlawful techniques that could leave your credit lower than ever in the near or distant future.
Legitimate credit repair companies will also give you reasonable expectations regarding the amount of change they can bring to your credit score and the length of time it might take to get those results. They won’t over-deliver with big claims of super-fast, amazing results to pry your money from your wallet.
We’ll cover a list of green flags that signal a credit repair company is legit in a moment. For now, understand that credit repair companies can work for you.
Can credit repair companies help you only to make it worse later? Sometimes. When credit repair companies make matters worse rather than better, they often fall into one or more of the following traps:
In reality, you can repair your credit without paying anyone else. It will take more time as you do the legwork yourself, but never allow a credit specialist or financial counselor to make you feel it’s hopeless without their services.
Are you ready for the quick checklist that will help you identify a reputable, effective credit repair service from a scam or ineffective one? Can credit repair companies help? Here it is.
7 Quick Checklist Tips:
So, can credit repair companies help you? The answer is yes for legitimate services that abide by all federal laws before you run off to find a service that will do the hard work on your behalf, understand that the credit repair process isn’t as challenging to do on your own as you may think.
With the resources provided for free right here, you could do everything an effective credit repair specialist would do on your behalf. You can even do it in the same amount of time if you focus on doing it without delays.
It all starts with securing a copy of your three credit reports, free once a year at annualcreditreport.com. From there, you can dispute inaccurate or incomplete information and start working to balance the negative with new, positive lines of credit.
Yes, all of that is free as well. Can credit repair companies help? Yes, We’re always here to guide you along the way.
With my document processing and assistance, clients have had success with:
When you don’t have the time to go, step by step through the credit repair process on your own. My services are always available, So let me help you. Your Success Is My Mission.
Words can’t even come to mind of how appreciative I was for the assistance of Vincent D. My husband I had been searching for help with getting our mortgage refinanced but our credit score was at an all time low. Vincent was there to listen and provide professional support and assistance. He explained the process of credit repair which helped me and my husband make decisions which put us on the right track. I highly recommend Vincent’s expertise to anyone wanting to get professional credit counseling.