All Credit Repair Companies AREN’T Created Equal

With thousands of credit restoration companies conducting business across the country, finding the right you can be difficult and intimidating but it is imperative that you make an effort required to not only look for a reputable one but additionally find one that gets the knowledge, experience and capability to provide the degree of service you expect and the optimal results you deserve. Your decision should not be impulsive. Choosing a bad credit restoration organization will leave you vulnerable and escalates the probability that further damage will be caused to your personal credit history but on the other hand, choosing a good credit restoration organization gets the potential to be one of the greatest financial decisions of your life by dramatically cleaning up your individual credit history and improving your credit score. There are numerous items to consider beyond price when making your choice. Recognizing the difference between price and value is imperative as seeking the help of an organization in the credit repair industry is nearly always an incident of, “You get everything you pay for”. The following paragraphs explain the four forms of credit repair companies that make up the industry and what to expect from each.

Credit Repair Company Type 1:
The first type of credit repair company is typically a one-man show run out of a home office. Generally, this sort of company advertises extremely low rates for his or her service and will will often have unbelievable service guarantees to top it off. It isn’t uncommon for this kind of credit restoration organization to become a complete scam and take the consumers’ money without providing any service at all. Moreover, for anyone who is dealing with a company that falls into this category you are lucky if the only thing you lose can be your money rather than your identity in the process. In this point in time, identity theft is happening on epidemic proportions. If you don’t know the company to be reputable, you need to think twice before handing over your personal identification information.

help repair my credit While all credit restoration organizations that belong to this category aren’t scams, it is extremely common for the average person running this type of company to be completely unacquainted with the compliance all credit restoration organizations must abide by. This company will typically use three or four 4 standard dispute letters which are extremely generic and not designed to be used atlanta divorce attorneys situation. Although using standard dispute letters may provide some level of positive results, their use also has the potential to further damage your credit. Moreover, the utilization of standard dispute letters usually only provides temporary results as the negative information removed from your personal credit file will most likely reappear on your credit file the next time it really is reported by the creditor.

Credit Repair Company Type 2:
The second kind of credit repair company generally appears to be much more legitimate. They have a physical office but similar to credit repair company type 1, they only use the same standard dispute letters mentioned previously. While typically not going to operate illegally, compliance issues are usually overlooked. The biggest difference between credit repair company type 1 and 2 is that the next usually makes use of a cheap software program which allows it to create volume and handle clients on a much bigger scale. The letters used are extremely generic and for that reason, will not obtain the best results possible. Although this type of credit restoration company can do a great deal of business, they’re not setup to handle people that have specific credit related problems. This kind of credit restoration company uses more of a cookie cutter approach.

The first two forms of credit repair companies mentioned make up for a lot more than 90% of the credit repair industry. Credit repair company type 3 and 4 are completely different and make up for less than 10% of the industry. It is very important to note the differences.

Credit Repair Company Type 3:
Not only is the third type of credit repair company usually compliant with the laws governing credit restoration organizations, but it is also usually amply trained in the U.S. Code used to dispute negative credit items on the consumers’ credit file. Using a lot more than just standard dispute letters, this sort of company can be a lot more effective compared to the first two. Because this type of credit repair company has such a good knowledge of the U.S. Code related to credit, it is typical for this type of company to provide custom credit repair work to its clients. The ability to provide custom work with its clients allows this sort of company to beat the level of service supplied by the first two forms of credit repair companies.

Credit Repair Company Type 4:
The forth kind of credit repair company is very much like the third type in that it’s usually compliant with federal law, very well versed in the U.S. Code necessary to succeed in the credit repair industry and typically offers to perform custom dispute work with its clients. The largest difference between credit restoration company type 3 and 4 is that credit repair company type 4 has attorneys on staff or is contracted with a law firm. Credit repair company type 4 will also usually be more expensive than the other three credit repair company types but will almost always be more effective. Not merely can an attorney based credit restoration organization supply the best results possible, but a credit restoration organization which has attorneys on staff or is contracted with a law firm may also enforce the consumers’ rights should legal action be asked to correct inaccurate items on a consumer’s personal credit history. Beyond that, by using a lawyer based credit restoration company, the consumer can minimize the possibility that an item will be re-reported by a creditor as an attorney has the ability to take additional steps to block negative items from being re-reported on a consumer’s personal credit history. There are very few credit restoration organizations that belong to this category.


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