It’s hard to fix your credit report on your own – especially if there are a lot of errors and/or you think you might be a victim of identity fraud. This is why so many people turn to professional services to help them with the fastest way to repair credit score. This isn’t a good idea for those who are susceptible to scams, since many of these types of services are not legitimate.
If you are thinking about trying to get your credit fixed, you’ll first need to get copies of all 3 reports if you haven’t already done so, and to carefully look over anything. If there is any outdated information, such as old address or phone numbers, these are easy to change. Some other items are not so easy, though. You can write letters to the credit bureaus if you think there is anything that is reported unfairly, such as the same defaulted account reported multiple times by different collection agencies.
During the process of trying to repair your credit reports, you’ll want to start getting back on track with paying your bills on time. Trying to raise your score while still not having your finances in order and getting behind on payments is obviously very counterproductive. If you see any negative items on your reports that are valid and cannot be fixed, then address that problem as soon as possible.
The Fastest Way to Repair Credit Score With Pros
As for the fastest way to repair credit score, once again, it’s ideal to work with a legitimate, professional firm. Get a legal expert on your case and let them do most of the work for you. It will cost money, but you won’t be charged up front. In fact, trying to charge you upfront is against the law, so avoid any company that will try to do that.
Also, as for the “fastest” amount of time to get that score up, there are no specific guarantees. Will you be able to increase your score by 100 within 2 months? 50 points within 1 month? There is no way to know 100% for sure, so stay away from any so-called “credit repair agency” that tries making this promise. It’s a huge red flag that it’s definitely a scam.
In case you’re already not aware, not all creditors and collection agencies report to all three bureaus. You might have a high score on one, but a low score on the other two. This is why it’s so important to carefully go over all three.
If it offers service in your state, then Lexington Law might be the fastest way to repair credit score. You’ll get a paralegal who will work with you one-on-one and provide you with personalized services.