Suppose you are trying to raise your credit score and need help meeting your goals. In that case, you can always seek assistance from legitimate credit repair agencies. They will help you develop a step-by-step plan on cleaning up any – or all – of your credit reports. Anything that you can do (legally) to improve your credit situation, they will do on your behalf.
Errors on credit reports are more common than you might think. The mistakes can drag down the score and cause you problems in both the short and long-term. Some mistakes are noticeable. All you have to do is request copies of your three reports from each bureau (free once a year) and take a look at them. Some errors might be obvious and stand out, others not so much. Consumers easily overlook some inaccuracies.
This reason is why you might want to get a consultation with a repair company. Sure, you can try to fix up the reports on your own for free, but it’ll be hard work and require a good deal of patience. You don’t even have anything to lose if you work with legitimate credit repair agencies. They offer free consultations and don’t ask for money upfront only if they are confident that they’ll help you with legal means.
Legitimate Credit Repair Agencies Can’t Do Everything
It’s important to understand that you can’t remove everything. Even if something seems unfair, like an old charge-off or late payments from within the past few years, there is a good chance they can’t be removed. Late payments and delinquencies can stay on the reports for 5 – 10 years, depending on your state. If you can’t have them removed, the only way to increase your score is to get your finances in order ASAP and start paying more on each balance every month – on time. If you have been doing this recently, then you’re already off to a good start.
That said, there might be occasions when you can remove a legitimately negative item if it falls under the category of “unfair reporting”. If you’re unsure about any particular item, consult one of the legitimate credit repair agencies. The “legitimate” ones will have lawyers or paralegals in their network who will assist during each stage of the cleanup and repair process.
How do you know which company to choose? If you want versatility, some legitimate credit repair agencies – such as Lexington Law – offer a few different service tiers at a different price each. Choose which plan you think would be best for your situation. Also, get a free consultation while you’re at it.