March 23, 2018

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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 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.

Federal Trade Commission warns of credit repair scams

HOUSTON - Scammers aren't just out for your information- they could turn you into a crook. The federal trade commission says criminals are taking advantage of people looking to repair their credit. Watch the video for more insight!

Published:  Wed, 21 Mar 2018 19:20:00 GMT

Quality Credit Repair Offers Credit Card Debt Relief for Struggling Households

Philadelphia, PA -- (SBWIRE) -- 02/22/2018 -- Credit card debt in America has reached epidemic levels, as more and more households take on debt to cover living expenses as wages fail to keep pace with rising rates of inflation. According to a CNBC report ...

Published:  Wed, 21 Feb 2018 23:00:00 GMT

Montgomery credit repair company shut down, accused of deception

A Montgomery credit repair company has been permanently closed for deceptive and illegal practices, according to Alabama Attorney General's Office. Attorney General's Steve Marshall's office reached a settlement with Scott's Credit Repair and its ...

Published:  Mon, 30 Oct 2017 09:29:57 GMT

$2-million settlement ends accusations that L.A. credit-repair firms misled consumers

Credit-repair services promise to help consumers fix their credit scores, but there's only so much they can do. They can help clear up inaccurate or outdated information on a consumer's credit report, but they can't erase legitimate dings. But the Consumer ...

Published:  Tue, 27 Jun 2017 16:30:00 GMT

Keep it good: Understand credit repair

Anywhere you can see with your eyes, there's an advertisement relating to credit repair. It seems that credit repair is a term that you're likely to come across at least one point in your life. But what does it mean, actually Well, credit repair ...

Published:  Tue, 24 Oct 2017 02:10:00 GMT

CFPB cracks down on 'credit-repair' companies

WASHINGTON -- You've almost certainly seen or heard pitches for "credit repair" services promising to clean up your credit problems, reduce your debt, or even raise your credit scores by 100 points or more. Come-ons like these can be especially seductive ...

Published:  Thu, 06 Jul 2017 23:00:00 GMT

How to repair your credit

KNOXVILLE, Tenn. (WATE) - Maintaining a clean credit history is important. Lots of things depend on having good credit. With bad credit, it's tough to get a loan and when you do qualify, the interest rate is high. The tool to hammer your credit history ...

Published:  Tue, 17 Oct 2017 10:18:00 GMT

The Ultimate Guide to Starting to a Profitable Credit Repair Business at Home

If you want to start your credit repair business from the comfort of your home, here is a guide that will help you to get started. Why Should You Start This Type of Business Starting a credit repair business is quite easy and this is the best time to do ...

Published:  Fri, 10 Nov 2017 03:11:37 GMT

Fast Credit Repair - Essential Facts You Need To Know

A credit repair service is a company that helps people to repair their credit scores as quickly as possible, usually within a few months. It would probably take a lot longer - sometimes even more than a year - if you tried to do it yourself. The most ...

Published:  Sat, 15 Apr 2017 00:33:01 GMT

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