When it comes to fixing your credit report, you have two options: the DIY approach and requesting assistance from the pros, who will perform the service for you and take care of all of the hard work. However, since there are obviously scams out there, you should be really careful about who you choose. You don’t have to spend a fortune, as there are some affordable credit repair companies. You just need to watch out for red flags. For instance, never trust a company that tries to charge you a fee upfront. Only consider organizations that offer free consultations.
Before contacting any credit repair company, you should first request copies of your credit reports and go over them yourself. If there are just a few minor issues, then the DIY approach might be ideal after all. You just need to check online for sample letters to send to the credit bureau(s) and the lenders. Some patience will be required as well, since it will take some time for them to make a decision and give you a response.
If you’re not entirely sure how credit reporting works, or feel confused by some of the negative items, then it will probably be better to let the professionals do it. As long as you choose a legit service, they will be able to get a response more quickly than you would if you were doing it on your own.
Some affordable credit repair companies offer multiple levels of service depending on how bad your credit scores are and how many items need to be removed. Some negotiation might be required as well, should the creditors dispute.
What Affordable Credit Repair Companies May Dispute
What kind of information can be disputed? Anything that is obviously erroneous such as your name misspelled or typos. If you’ve been a victim of fraud, then anything that the identity theft has done using your name and SS # could potentially be disputed, although you might need legal assistance to do so. There are also factual mistakes, unsubstantiated accounts, and outdated information that can be disputed.
If you are worried that some of the items might be difficult to be removed, then the best thing to do is go through a credit repair company that has a network of lawyers and paralegals. This company should provide you with a paralegal who will help you with your case personally.
Of all of the affordable credit repair companies, the one that is trusted by most people is Lexington Law. It offers services in most states and does assign each client with a paralegal. There are three levels of service to choose from. Check for Lexington Law discounts today to find out if there are any current deals or savings available. A personalized consultation is always for free.