Best Credit Repair Companies
TweetWhat Are The Best Credit Repair Companies?
If you don't want the hassle of repairing your own credit you may choose to hire a third-party to take care of things for you. You don't want to hire just anyone to handle such important and sensitive matters. Although there are several good options, the best credit repair companies will help you with the following:
The best credit repair companies will analyze your credit report and determine which items are the most detrimental to your overall credit health. Some credit repair companies will look at all negative items and randomly select which ones to address. Not the best credit repair companies; they aim to resolve the most severe items first to help give your score the most significant boost.
The best credit repair companies will write dispute letters on your behalf. The dispute letter is the most critical piece of the credit repair process. Although the process seems simple, there is a tried and true method to the dispute process; such as timing and content of the letters. The best credit repair companies use their expertise to draft letters that will best help your efforts. The best credit repair companies will also advocate on your behalf with your creditors by writing creditor direct letters when necessary.
The best credit repair companies will inform you of your consumer rights. There are several pieces of legislation that outline credit reporting, credit billing, credit repair and other consumer rights. The best credit repair companies know these by heart and can readily disclose them.
The best credit repair companies follow legal protocol. Credit repair is legal, as long as the process is followed as outlined in the CROA (Credit Repair Organizations Act) and other pieces of Federal legislation. The best credit repair companies have a thorough knowledge of these laws and uphold them in their credit repair services.
The best credit repair companies will help you identify when creditors, collectors or the credit bureaus are in violation of Federal law. There are several other laws that also dictate business practices of other organizations involved in the credit reporting process. The best credit repair companies also have a thorough knowledge of these laws to help determine if you are being taken advantage of.
The best credit repair companies will educate you on how to take proactive measures to improve your credit. Disputing negative items is only one of the many ways to improve credit status, the best credit repair companies provide learning materials to help you learn the other things you should be doing to maintain healthy credit and overall financial status.
The best credit repair companies provide regular credit monitoring services and help you identify when changes have occurred. Changes could be either positive or negative; but you need to be aware of them regardless. The best credit repair companies also educate you on how to keep track of your results by teaching you how to read your credit report.
