When you're trying to repair your credit, you want a credit repair service with proven success. That's why we've put out this list of questions to ask when evaluating credit repair services. This will help you choose a good company and keep you from wasting time or money on a bad product.
How long has the credit repair service been around? - You don't want to go with the oldest company on the block but you do need to stay away from the new ones. Most credit repair services were founded within the last five years or less. Their record of accomplishment must be impressive enough to earn the trust of their customers. Also, you want to avoid companies that are relatively young and haven't built up a significant amount of experience. To get the most reliable credit repair company, see this website: https://thecreditagents.com/houston-credit-repair-companies/.
What type of records does the credit repair service to keep? - All of the credit reports that the company provides are in digital format. The information is usually located in a password protected electronic storage area. Also, they are often provided with a written agreement for you to sign acknowledging that you have read the written contract and are aware of any limitations or exceptions. Also, inquire as to whether or not they keep copies of any arbitration awards. A copy of the written contract and statements of any arbitration awards should be provided to you upon request.
Can you see your current scores online? - Most reputable credit repair companies provide you with access to your current scores via secure internet servers. Unfortunately, you won't be able to check them online yourself. If they don't provide you with an account number or name, move on. You want a company that offers the best chance of improving your scores.
Can you get copies of your credit reports under the False Information Act? - Yes, under the False Information Act you can demand a copy of your credit report. This is to ensure that you don't become the next victim of a credit repair scam. You must specifically request a copy from each of the three nationwide credit bureaus: Transunion, Experian and Equifax. You have to do this in writing if you so choose. You can contact the top credit repair experts here!
Can you work with more than one credit repair companies? - Many individuals work with one or two credit repair companies. It is in your best interest, however, to work with more than one. If you find inaccurate information on one of your reports, it is in your best interest to have that information corrected by another company. Otherwise, you may find that you have been inaccurately charged for something that did not occur. You can find out more about this topic here: https://www.encyclopedia.com/entrepreneurs/encyclopedias-almanacs-transcripts-and-maps/credit-history.
