Best Credit Repair Service - Tips to Choose

The reason credit repair services are effective is because they employ attorneys. These attorneys specialize in credit legislation.

They can also use more advanced techniques to dispute listings such as debt validation, creditor direct interventions, and escalated dispute information requests. This enables them to often force credit bureaus to remove an item.

Be aware though some companies are not effective and are just looking to make an easy buck. I suggest you look at how long the company has been in business and what past customers say about the service they received.

Use extreme skepticism when a company makes a guarantee. This is like a defense lawyer telling you that he guarantees you will be found innocent. It just can not be done.

Instead look for warranties or refunds if results don't occur. Most consumers with damaged credit can have many items removed however some items just can not be removed.

Fraudulent credit repair services have been bilking consumers for years. There are estimates that they earn up to $50 million a year.

Make sure you do your homework before you start handing money over. Some firms are even listed with the Better Business Bureau.

There are two options to pay for your credit repair service. You can be charged a flat monthly rate, which I suggest. Or you can pay by each action the service performs.

Often services will be willing to charge you by either method. Expect to pay an account set up fee, averages about $100. Be careful of any company that wants a large upfront payment.

This credit repair process takes an average of 6 - 12 months depending upon the damage to your credit. An average person should expect to pay roughly $700, with a premier service.

You can expect to have better results with a credit repair company than doing it yourself. This is due to their expertise in credit laws and advanced tactics.

However if you only have one and even two marks on your credit and are not in a rush to have them removed then I suggest disputing them yourself. This is done by sending in a dispute letter to the credit bureaus.

You will have to be patient as bureaus are notorious for using stall tactics to avoid conducting an investigation. However be persistent and you can have the derogatory marks removed.