3 Tips to Choose the Best Credit Repair Service
Many credit repair services make it sound as if all you have to do is pay them and your credit report will be fixed. However this is not true, below is a criteria you should use when choosing a service.
- Do Not Pay Large Fees
Many services will charge large upfront fees. Instead look for more standard rates such as $100 for a start up fee and then a monthly fee of $100 or less. Some services will charge per action, I do not suggest this as your fees can add up quickly to more than $100 / month.
Also you should avoid a company that says you must make a large upfront payment, these companies are typically not effective services and are looking to make a quick buck at your expense.
- Choose a Licensed Law Firm
This will not increase your cost, it will only increase the effectiveness of your credit repair efforts. By hiring a service that is a law firm you will benefit because:
a.) You will have a lawyer that is familiar with credit laws and case precedents
b.) Your case will be handled with integrity and honesty due to the ethical obligations of your lawyer being Bar Certified
c.) They can take your case to court if necessary
- Look For Refunds Not Guarantees
Credit repair can not be guaranteed, esspecially upfront. This is similar to a defense attorney guaranteeing that you will be found innocent of a criminal charge - IT CAN NOT BE DONE
I strongly suggest you avoid any service that make a guarantee, instead look for a refund policy or warranty. Many good services will offer a refund if their service is ineffective or you are not satisfied.
By using these 3 tips you can find a good quality credit repair service, we suggest Lexington Law. They are a leader in the industry with over 17 years experience, 1/2 million satisfied clients, and 22 Lawyers.
They charge reasonable rates you can get started for $99 upfront and as little as $39/month for their basic service and up to $79/month for their premier service. They are also accredited by the Better Business Bureau.
