It's extremely important that you take the time to review your credit reports every year. Once you've pulled the reports from the relevant websites, you must carefully review everything to ensure that it is 100% accurate. If you see any errors or questionable items, then you need to have them removed. It helps to consult with the best company to repair your credit.
Since the "credit repair" industry is rampant with scams, you must be careful with which company and service you choose. Make sure the company has at least one attorney working for it who has experience with credit and lending laws. If you suspect that you might be a victim of identity theft, the company should have experience helping other victims getting everything back in order.
One thing you DON'T want to do is to believe in any promises to get all of the negative items on your reports removed by a particular date, without even taking the time to fully look over your reports. The best company to repair your credit won't make any specific promises. What they will do is provide you with a free consultation and then explain your options to you.
Inquire as to their method of communication with the credit companies. They should handle over your information in a proper manner, otherwise the credit reporting agencies will just disregard the dispute. A credit repair company should not send over any false information about you and your situation. Everything must be accurate and truthful. All of their claims should be supported by the appropriate documentation.
Upfront Payments to the Best Company to Repair Your Credit
You should never be expected to make any payments upfront. You should first get a free consultation, followed by an evaluation of your options. Only when you are seeing that the company really is using legal and helpful methods should you start the payment process. Avoid "bait and switch" tactics as well. There are actual advertisements from untrustworthy companies claiming to "increase your credit score for FREE!" While they might be able to help you raise your score, it won't be for free. Also, it is impossible to guarantee that a credit score can be raised. The best company to repair your credit will not make any specific promises or guarantees.
In short, a credit repair company won't wave a magic wand and make your bad credit go away. What they will do is take a heavy burden off your shoulders and can put you in a better position to improve your credit profile. However, the process usually takes some time, so don't expect the negative items to go away immediately.
Now that you know what to expect, what IS the best company to repair your credit ? See if you are in one of the states that is covered by Lexington Law. It is filled with a skilled team of experienced, certified attorneys and paralegals, and has over 500,000 active clients.