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Credit Repair Specialist

A good credit repair specialist is worth their weight in gold. Find the best tips on locating a credit cleanup pro and what identifies the consultant you should avoid.

Just as a good lawyer who is up-to-date on the current laws can smooth the way in a law suit or divorce, so a specialist of this kind can make the going easier when trying to repair your credit.

Lawyers and credit repair consultants alike are in the business of fixing problems. Just like in other professions, there are awesome and poor ones in this industry. When you need to find a good one, the following information may be helpful.

One thing to consider is their reputations. Do they have a good reputation for quality service? In the online world, reviews are very helpful. So look for any reviews on a credit repair specialist you are contemplating.

The advantage of selecting a pro to help you is they can keep you focused like a dart pointing to the bullseye. They will keep you on target of raising your credit score! So if you just want to get it done and don't want to spend a lot of time doing it yourself, you will need a trustworthy professional.

credit repair specialist questions

How to Choose a Trustworthy Credit Cleanup Pro?

A good place to start is to understand what your rights are, and you can find them under The Fair Credit Reporting Act (FCRA). This document explains those rights and how they are to be used. The "Act" was passed with the belief that everyone should have a second chance.

Another document you should be familiar with is The Credit Repair Organizations Act (CROA). This one governs the conduct of all credit repair organizations, and defines how they should perform their services.

This document is really helpful. Why? Collectors hope you're not familiar with this document. There are phrases you can use and actions you can take to stop a collector in their tracks. Sometimes that knowledge is all you need to buy you time so you can make the necessary repairs to your credit.

Knowledge prevents scams! It's harder to fool someone who is knows what their talking about. So read up before you begin your hunt for a trustworthy credit repair specialist.

What A Credit Repair Specialist Should Never Promise

  • Specific results, there's no guarantee so they cannot promise one.
  • Fast results, everyone's case is different, so result times will vary.
  • Suggest that you create a second credit file (THE IRS JUST MIGHT NOT LIKE THIS ILLEGAL ACTIVITY!)
  • Try to convince you that you are not capable of repairing your credit by yourself because they are the only ones with the knowledge to get it done.
  • Tell you that it is possible to erase information that is correct on your report (the only information that can be removed is incorrect information).

A good tell tale sign that you have found a reputable credit repair consultant is when you find a company that has been in the business of repairing credit woes for a long time. Longevity typically means that a business is on the up and up.

Generally speaking individuals who have received satisfactory services are also happy to share this information with others. Also, if they had a bad experience, they'll share that as well. Once again, those reviews can be invaluable!

All in all, as I stated above, there are good and bad in every profession. Your assignment, if you should decide to accept it, is to read the necessary information and become knowledgeable of your rights and then to locate a suitable credit repair specialist to do your repair work for you!

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