TopConsumerReviews.com Best Credit Repair Companies
      June 17, 2019

Home  >  Credit Repair  >  Articles

Best Credit

Repair Companies

  1. Ovation Credit Services
  2. Credit Firm
  3. Credit Saint
  4. MSI Credit Solutions
  5. The Credit Pros
  6. Lexington Law
  7. The Credit People
  8. Credit Repair
  9. Credit Assist Network
  10. Pyramid Credit Repair
  11. E Credit Attorney
  12. Credit Repair Consult
  13. Veracity Credit

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!
  • Compare

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

Latest Reviews

Cruise Vacations

Fruit Baskets

Government Grants

Learn to Read Programs

Menopause Relief

Online Fitness

Paid Surveys

Personal Trainers

Pet Meds

Scabies

 

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.

How Fast Can Your Credit Be Repaired?

Tired of being turned down for car loans, a mortgage or even cable service? Is bad credit to blame for the constant rejection? If so, it’s time to take the steps necessary to repair your financial reputation.

While it may seem hopeless, a less-than-stellar credit report can be turned around. However, years of bad credit cannot be undone in just a few hours of time, so be prepared to be patient while you work through the steps toward a better financial future.

The first step in repairing your credit is to request a copy of your credit report from each of the three credit reporting agencies: Equifax, Experian and TransUnion. Under guidelines spelled out in the Fair Credit Reporting Act (FCRA), individuals are permitted to obtain, for free, one annual copy of their credit report from each of the three listed agencies above. By going to annualcreditreport.com, you can order a report from each of the agencies. Be wary of other websites and companies which claim to be official sources for obtaining a credit report. The only site authorized by the federal government to dispense the free reports is annualcreditreport.com. Other sites can and will charge you for the credit reports – a fact you may not discover until it’s too late.

Once you have your credit reports, go over them carefully. As with any sort of history which relies on the accurate reporting of outside agencies, mistakes can and do happen. Review to make sure that all accounts in your name were actually opened by you, and that there are no mistakes in reports of failure to pay on any account. Employment and resident history also are included on a credit report, so be sure to check that all employers and places of residence are accurate to ensure that someone else’s information has not been included in your report.

While it may seem redundant to do so, be sure to review each report from all three agencies. National credit reporting agencies may obtain their information from different sources, and therefore may not contain all of the same data.

If you discover a mistake on any of the reports, you should file a dispute with the credit reporting agency. The three credit reporting bureaus all have a dispute process. That process can be accessed online through their websites, or via snail mail with a form that can be obtained by calling the credit reporting bureau. Within 30 days, the individual should receive a response to their complaint about inaccurate information.

In most cases, the credit reporting agency is able to verify the information is incorrect and will remove it from your record. In the event it does not agree that the information is false and refuses to remove it, the consumer should request that a copy of the dispute notice be included with the credit report any time it is accessed by an outside source.

If poor credit is just a fact of life – rather than a data error on someone else’s part – there are steps that can be taken to help earn back the trust of creditors. The best solution is to consult with a consumer credit counseling service, which can help consolidate loans and bills into affordable monthly payments. If creditors see that you are making an effort toward paying down your debt responsibly, they are more likely to extend credit to you in the future.

There are pitfalls in credit counseling

It is at these times that borrowers who are heavily in debt turn to the resources of credit counseling or credit repair services. A credit counselor - a trained professional who helps people develop ...

Published:  Fri, 14 Jun 2019 09:41:00 GMT



Lies Some Credit Repair Companies Tell

You know, you can repair just about anything and that includes your credit. But before you go to a credit repair company, you better watch this video. ...

Published:  Wed, 05 Jun 2019 07:00:00 GMT



5 credit repair secrets advisers needs to know

Credit repair is often portrayed as a dark art, but the concept is actually simple: once you learn the mass of relevant industry regulations, you discover the different buttons you need to push in ...

Published:  Sun, 16 Jun 2019 16:49:00 GMT



Free Bike Repair Kits Available To Check Out At Denver Public Libraries

Bike repair kits are available at all Denver Public Library locations. (credit: Denver Public Library) The Denver Department of Public Health and Environment has teamed up with Denver Public ...

Published:  Wed, 12 Jun 2019 14:14:00 GMT



Best Credit Repair Companies: What To Avoid

If you're struggling with bad credit, you may have heard about credit repair service companies. But you might not know exactly what they do. Or, you might have heard that credit repair companies can ...

Published:  Sun, 09 Jun 2019 20:02:00 GMT



Did credit repair companies get customers in 'misleading' way?

Two of the largest credit repair companies in the country are targets of a Consumer Financial Protection Bureau complaint. PGX Holdings Inc.and subsidiaries Lexington Law Group, Creditrepair.com and ...

Published:  Fri, 31 May 2019 06:06:00 GMT



Quality Credit Repair Advises on Avoiding Common Summertime Credit Card Problems

Philadelphia, PA -- (SBWIRE) -- 05/24/2019 -- As the premier credit counseling agency serving Bucks County and the surrounding areas, Quality Credit Repair is dedicated to helping their clients manage ...

Published:  Fri, 24 May 2019 06:23:00 GMT



Mortgage Credit Repair

You have more chance of your lender approving your mortgage or offering you low interest rates if you have a good credit score. Your credit score tells lenders how reliable you are as a borrower. The ...

Published:  Thu, 30 May 2019 17:00:00 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