The kind of information listed on your credit reports determines whether or not you will be approved for other loans or credit cards. It might even play a role in your future employment prospects as well. Are you thinking of renting a new apartment? Poor credit may make that difficult. Unfortunately, many people don’t realize how much of a role their credit score plays in their lives until it’s already low. Fortunately, there are credit report clean up services.
It’s estimated that approximately 1 in 4 Americans have at least one error on at least one of their three credit reports. Just know that there are millions of others over the years and even now who are in a similar predicament. This common problem has led to an industry of “credit repair services” popping up. Unfortunately, as with any industry involved in financial and credit-related services, there will be scams and vultures that prey on people desperate to get their credit reports fixed.
The existence of scams doesn’t mean that every service is a scam. There is some legitimate credit report clean up services. Just be careful with your choice and never pay any money upfront. Get a free consultation. There might be negative stuff on your report that is legitimate. Perhaps you could ask for a negotiation between a credit repair agency with legal expertise and the credit bureaus (Experian, TransUnion, and Equifax) – a negotiation that you might have trouble handling on your own.
Credit Report Clean Up With Identity Fraud
Any apparent glaring mistakes need to be taken care of ASAP. If you are a victim of identity fraud, then hopefully, you have some monitoring. If not, and you see signs of fraud on your reports, you’ll need all of the legal, professional assistance you can get. Credit report clean up for victims of identity theft is going to be a multi-step process. It’s also going to take some time and require plenty of patience.
If you see some ad from a credit fix-up service guaranteeing that they’ll be able to “fix your report and increase the score by X amount of points by X date.” It is against the law for them to make specific claims like that. Avoid this kind of service at all, as it is likely a scam.
What *is* a legitimate credit repair clean up service? To get started, get yourself a free consultation with Credit Saint. It’s one of the highest-rated companies in the industry. It offers a 90-day money-back guarantee as well as three different plans to choose from.