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      January 23, 2018

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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.

Quality Credit Repair Companies

A credit repair company can be wonderful at helping to improve your credit score and get you back on your financial feet. But, they can also make things worse. If you hire an honest and professional company you know that appropriate methods are being used to dispute any inaccuracies on your credit repair and often the result is positive. Avoiding credit repair scams is also important as they can result in wasted money and even legal problems, if you’re not careful.

Characteristics of a Quality Credit Repair Company
A credit repair company with a long history of positive results, happy customers, and professional behavior should be your first choice.

  • Visit the Better Business Bureau website. The BBB can be an excellent research tool when you’re looking for a credit repair company. Locate the company you're considering on the Better Business Bureau website to determine how long they've been in business and what if any negative reports have been made.
  • The company provides a well functioning website. Most of us are not credit repair gurus and as such a website that provides easy to follow, user friendly instructions is going to save time, energy and frustration. Find a company that provides a well designed website that educates you and also allows you to monitor the status of their progress online. This will also help eliminate confusion and feel that your needs are being taken care of.
  • You can read or hear about credit improvement advice. Once you're on your way to improving your credit score, eliminating bad reporting, and awaiting dispute responses a credit repair company that can provide you no-nonsense advice on how to improve your credit score through additional steps such as debt reduction, account closings (or openings), and other strategic actions will ultimately provide you the best results.

Be on the Look Out
Some credit repair companies attempt to deceive consumers. Here's what to look-out for:

  • Keep an eye out for any company that promises to erase all bad debts. It's illegal to remove accurate negative credit reporting.
  • Asking for your money upfront is illegal within the laws of the Fair Credit Reporting Act. If a company asks for you to pay a large sum prior to starting, ask more questions.
  • If you're asked to apply for a new identification number or EIN you have an issue on your hands. It's considered fraud if you try to hide behind a new ID and you can go to jail.
  • Credit repair companies are required to inform you of your rights to dispute inaccuracies on your own and for free. Any company that fails to provide you this information is probably not on the up and up.
  • If a credit repair company asks you to not communicate with credit agencies or lenders during their repair efforts you should question this request. This can be a sign that good business practices are not being utilized.

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



Roof repair permits not a bad idea

It is important to note that, to the credit of the City, this does not seem to be a top ... Nationwide, though, many jurisdictions require roofing repair permits, Flanagan said. Minot requires permits for new construction or roof replacement only, not ...

Published:  Mon, 15 Jan 2018 22:10:00 GMT



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