Don’t underestimate your rights as a credit card owner. No matter how bad your credit reports get, there are still options out there to help you repair the reports and improve your score. While there are no guarantees, there is still hope with the right strategy in place. Great credit repair companies will have lawyers and paralegals helping clients on a one-on-one basis.
There are things you can do yourself as well. You are entitled to view your credit reports from the 3 major bureaus free once a year (per bureau). If you see any fraudulent or questionable negative items, you have the right to request that they be removed. However, this process can take a long time if you try to do it all by yourself. It’s better to have a professional legal experts help you.
There are always scams to watch out for, so watch out for red flags such as demanding payment upfront and “specific guarantees”. It is against the law for a credit repair company to tell you that they will be able to “Increase your score by 100 points in no time at all!” or “Improve your credit score within 3 months!” Ignore any company that tries to draw you in with such specific claims.
It’s unfortunate, but it takes longer to repair a bad credit report than it does to establish a good one. There are mistakes that could be affecting your score that you might not even know about. These mistakes could potentially lead to hundreds or even thousands of dollars in higher interest rates! It is also difficult to do essential things like renting an apartment, getting utilities setup, or in some cases, even getting a job.
Great Credit Repair Companies at Your Interest
For these reasons it is in every citizen’s best interest to work on establishing and maintaining the highest credit score possible. If it is low, it might be worthwhile to invest in the services of great credit repair companies. The consequences of being a victim of identity theft are also very damaging to credit reports. A representative from a legit credit repair company will do everything legally possible to work with the credit bureaus and lenders, and to negotiate when necessary.
No, it is not possible to have specific goals and time limits, but acquiring professional credit repair services will increase your chances of getting your report cleaned up in a faster period of time than if you tried to do everything by yourself.
Which company should you choose? Of the “great credit repair companies”, where should you begin your search? Check and see if Lexington Law is available in your state. It is a highly rated company that does have lawyers and legal experts in its network.