Best Credit Repair
TweetWhat Is The Best Credit Repair Company?
If you have decided that you don't want to tackle your credit repair issues on your own and that hiring a third-party credit repair company would be in your best interest; you now need to decide on who to go with. Of all the companies out there, which one offers the best credit repair?
It's safe to say there is no one company that offers the best credit repair, in fact there are several great companies who will do an impressive job for you. At the other end of the spectrum; however, are several companies that are nothing more than scams. And somewhere in the middle are companies who either make false promises (intentionally or ignorantly), offer sub-standard service, exaggerate results, tell half-truths, and/or ignorantly engage in illegal practices. How can you tell the difference? Here are some of the things to look for to get the best credit repair for your money.
The best credit repair companies offer great customer service. Credit reports can be very confusing and dealing with the bureaus can be frustrating. It's nice to have an advocate to help walk you through your credit repair process. You should be able to speak with a customer service rep personally to have your questions and concerns answered.
The best credit repair companies have a good track record. The company should have a solid and clean history. Pay attention to how long the company has been in business. If the company has been involved in any lawsuits, that would be a matter of public record which you're free to research. A word of caution on relying on a Better Business Bureau rating; it has recently been discovered that many A-rated companies, who had far more complaints than C rated companies, got the higher rating because they paid the BBB big bucks for it. So, those A+ companies don't necessarily offer the best credit repair.
The best credit repair companies have a fair warranty and cancellation policy. You should be able to cancel services at any time for any reason. The company should also offer some sort of refund for unsatisfactory results.
The best credit repair companies allow you to track your progress online. The company should have nothing to hide regarding your case. It is your right to monitor the progress that has been made on your behalf.
The best credit repair companies will offer comprehensive services, including, but not limited to:
- Work with creditors, when necessary, by sending Creditor Direct letters
- Dispute inquiries
- Challenge discrepancies involving personal information on your report
- Assist you in dealing with collection agencies
- Assist you in building positive credit
- Repair the damage done by identity theft
The best credit repair companies are honest in their work and realistic about results. The best credit repair companies will tell you that you shouldn't expect to see results until at least 90 days from the start of services. Significant improvement typically takes up to a year, sometimes shorter, sometimes longer; depending on the condition your credit report is in.
