TopConsumerReviews.com
      January 23, 2018

Home  >  Credit Repair  >  Articles

Your Information Is Secure
101 Tips to Raise Your Credit Score Newsletter

Latest Reviews

Baby Cribs

BBQ Sauce Clubs

Candy Clubs

Credit Card Consolidation

Graduation Invitations

Hair Care Products

Makeup

Reverse Mortgages

Tickets

Web Hosting

 

Related Articles

How Fast Can Your Credit Be Repaired?

How Repairing Your Credit Can Save You Money

Improving Your Credit Score

Quality Credit Repair Companies

The Basics of Credit Repair

What is a Credit Score and Why is it Important?

What is Credit History and Why is it Important?

Why Good Credit Is Important

 

Top Consumer Reviews Articles

TopConsumerReviews.com provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

The Basics of Credit Repair

If your credit score has taken a hit and you're having a hard time getting approved for a credit card, loan or more - you may be considering a credit repair provider to assist. Credit repair companies can be very helpful when it comes to your credit problems but only if you have reasonable expectations. Here are the basics of what a credit repair company does and how they charge for their services.

What Credit Repair Companies Can Do for Your Credit Score
Credit Repair companies are experts in the field of credit reporting, credit reporting laws and disputes. You can anticipate that most companies will provide the following services:

  • Effectively identify credit reporting inaccuracies and perform the dispute process with credit agencies. This service can save the consumer significant time and hassle from attempting to do this on their own.
  • Credit score improvement goes hand in hand with effectively disputing credit reporting inaccuracies. If a credit repair company is successful at removing aged or inaccurate information from your credit report your credit score will go up. This is generally not a quick fix but a process that occurs over time.
  • Credit repair companies understand the credit score process and can provide valuable advice on how to pay off debt, close accounts, and maintain an adequate debt to asset ratio that will improve your credit score now and in the future. Not all credit repair companies offer advice so look around before you make a decision if this is a service you’re interested in.
  • A quality credit repair company will back their services with a satisfaction guarantee. A money back guarantee will put you at ease should you not be satisfied with their ultimate efforts.

Credit Repair Fees
Credit Repair companies charge to remove credit reporting inaccuracies and errors. Here’s what to expect you may be asked to pay:

  • Many credit repair companies charge a fee of $49.95 - $189.00 to start the credit repair process. Generally this fee is charged after the first 1 to 2 weeks when efforts are underway. This may or may not include pulling credit reports. If you have to pull them yourself that will cost you an additional $10 or more.
  • Most credit repair companies provide their service via a monthly service charge. Monthly charges can range between $29.99 to $99.00 per month and can vary on the level of service they provide. If you are looking for something specific make sure you understand what’s included in the price. Also make sure you understand if that price includes dispute and if there's a limit.

Is a credit repair company friend or foe

Americans across the U.S. struggle with bad credit. When searching for a solution, credit repair companies seem like a great idea. For a fee, these companies offer advice or assistance to improve your credit score. However, there is really nothing a credit ...

Published:  Wed, 10 Jan 2018 10:37:00 GMT



10 Simple Ways to Repair Your Credit

Ending up with bad credit can happen to anyone. Even if you're careful, certain mistakes can be made that can send your numbers spiraling. Don't give up hope if that happens, though. Fortunately, there are many different ways you can start working on ...

Published:  Fri, 12 Jan 2018 08:57:00 GMT



Florida considers ending fee to freeze credit as Equifax leads gripes

In any case, credit reporting and repair companies represented the top category of CFPB complaints from Florida, according to lendedu.com, which calls itself a marketplace for finance products including student loans, personal loans and credit cards.

Published:  Sun, 21 Jan 2018 21:09:00 GMT



Planning to borrow for your kid's college Time to clean up your credit

No matter what college path, polishing your credit score will give you flexibility as you move deeper into college bills and second or third children. Steps to repair credit. For a good credit score and access to low interest rates, paying bills on time is ...

Published:  Sat, 13 Jan 2018 22:04:00 GMT



Don't Put American Express Stock on Your Credit Card

The firm made sure that you know that the quarterly dividend will not be touched, but it has to repair itself after this hit. One big buyer removed from price discovery in the secondary market. Get it Am I afraid of American Express No. That said ...

Published:  Fri, 19 Jan 2018 09:33:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure