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People with bad credit reports often ask themselves either to choose a credit repair companies or do it themselves to improve their credit score. Have you ever wondered about those ads you see from  companies and law firms which offer to fix your credit for a low monthly fee? One should first learn the fact of credit repair companies before choosing either to go for a credit repair company or do it yourself.

According to the Federal Trade Commission (FTC) – “Everything a credit repair clinic can do for you legally you can do for yourself at little or no cost“. Also understand some consumers do not have the time, patience (or knowledge) to do the work themselves. 
Although some things are better done yourself, only you can determine if doing your own credit raising will be one of them. This is why understanding both the advantages and limitations of a credit repair company and the structure from which it operates are VERY important.

Declaring Contract

The contract between you and the credit repair companies should be easy to understand without an Attorney and spell out the actual services which will be rendered as well as the service providers’ limitations (i.e. they cannot guarantee the removal of any one particular item but can guarantee an overall increase in score overtime).

Monthly Fee

One of the most critical elements which affects “how” a credit restoration company operates is determined by its’ payment structure. One of the most common payment structures of large companies or law firms doing credit restoration is that of the monthly auto-debit fee. In this structure the consumer usually pays $49 to $99 up front and then a monthly fee of $39 to $49 per month. While there is an advantage to this method (affordability) with it comes many disadvantages. Among them are:-

1. The first disadvantage this structure creates is that it gives the company absolutely no incentive to work quickly or aggressively on behalf of the consumer. In fact, the opposite is true. The longer they take the longer they will continue to collect their monthly fee! In most cases this structure leads to slow results over a very long period of time. Looking at it logically, this shouldn’t come as a surprise.

2. Any large business has a tremendous amount of overhead which quickly chews up most of that monthly fee. Out of that $39 to $49 there are monthly expenses including but not limited to: Advertising, Office Rent and Utilities, Employee Payroll and Taxes, Health Insurance, Phone Service, Office Supplies, Refunds, Computer Maintenance and Programming, Website Administration, Office Supplies and let’s not forget postage for mailing letters to creditors, collection agencies and credit bureaus. A much simpler way to think of this is by imagining if you had a client paying you $39 a month; how much work would you be willing to do?

3. One of the biggest challenges credit repair companies charging low monthly fees run into is being forced to rely on the use of Automated “Boiler Plate” Dispute and Correspondence Letters.

Boiler Plate Letters are simple form letters which are used for ALL consumers (one format fits all). Once set up in a computer program with the consumers’ information they are “shot out” automatically on behalf of the consumers needs (i.e. disputing a late pay, charge-off or judgment etc).

The problem here is that when a credit repair company has thousands of clients they are shooting these form letters out for, the creditors, collection agencies and credit bureaus can take notice of these letters being used over and over and discover your correspondence is coming from a third party (i.e. credit repair company or law firm) and in some cases ignore it or (worse yet) mark the dispute frivolous and flag your credit report.

Credit Repair Companies Never Disclosure Their Methods

95% of large credit repair firms never disclosure their dispute tactics and methods. As a consumer it is vital that you are made aware of the methods they are using in dealing with your creditors, collections and the credit bureaus. If the organization or law firm violates laws or makes errors you could be held liable for their negligence.

In addition, this can actually make your credit worse and create problems which are very difficult to clean up. Anyone doing credit restoration for you should disclose “what” they are doing since you are paying for a service. If they won’t, you better run the other way as they could be pouring gas on a blazing camp fire.

Located In Home State:

This is one of the most overlooked keys to successful third party credit restoration which consumers miss. It is absolutely vital when having someone else do your credit restoration work for you that they operate within your home state.

Here’s why:

1. If a credit repair company or law firm mails dispute letters or correspondence on your behalf from another state, that mail will be postmarked from that state. If the credit bureau catches this they can (and in many cases will) mark the dispute as frivolous and flag your credit file.

2. It is known that many Credit Repair Companies and Law Firms will resort to or create some kind of method to get around this in order to get disputes postmarked from the consumers’ home state (potentially more non-disclosure). For example. If they are in NY and you are in CA they will first have to mail your dispute letters inside an envelope from NY to CA.

Once in CA someone opens the envelope and then mails your dispute letters from CA so they postmarked from your home state. I am not an expert on postal regulations but had a postal employee tell me the concept sounded extremely shady at best.

Unfortunately, with all this hassle and limitation you can preety much conclude that the risk of making more damages to your credit report. You should learn to take matters into your own hands and do it yourself. Rather than paying thousands of dollars and potentially turn out to be the highest paid work you will ever do in your life.

The Credit Secrets Bible is a great source to help you out with the difficult situations you’ll come across while trying to find the right credit repair companies.

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Credit information that is negative, erroneous or outdated can be removed by a credit repair company. They work to offer credit repair services to consumers that want to fix their credit. Having good credit along with a good credit report and a good credit score can help consumers go a long way. If they need products or services, they will be able to get credit. Sometimes people have to go that route if they don’t have the money to get what they need. However, they have to know that the credit has to be paid back in a timely manner.

A credit repair company is a business that can legally help consumers to get credit repair services. Most companies will charge a one time or monthly fee. This is so that the counselor can do the work that they need to do in order to help you with your credit. They are very helpful in getting down to the bottom of helping you to fix your credit. If there are mistakes on your credit report that should not be there, the counselor will work to get them removed.

There are times when a consumer tries to get the erroneous or outdated items removed themselves, but the credit bureaus prefer to give them a difficult time during the process. Even if the consumer is correct, sometimes they are still stuck between a rock and a hard place. It may take several tries before the credit bureau decides to rule in their favor. By then, the consumer gets weary and decides to give up. That’s where credit repair services come in. They work to set up a credit repair program for the consumer.

They will look at the consumer’s credit report and with their assistance, point out the items in question. By law, the credit bureaus have 30 days to respond to the dispute. If it is found that the item should not be there, then by law they are supposed to remove it. However, that does not always happen. Part of the credit repair program involves a credit repair services professional to intervene on the consumer’s behalf and get the credit bureau to remove the questionable items. If necessary, the credit repair company will write a letter on the behalf of the consumer and also provide follow-ups to see if they received the correspondence.

The bureaus will usually heed to the request. The rest of the credit repair process can proceed from there. The credit repairs services professional will lay out a plan for the consumer to follow. They must either make payments to the credit repair company or they can get a debt consolidation loan, provided that they qualify. The consumer has to promise to pay off the loan as provided in the agreement.

Either way, the consumer is indebted to the credit repair company or the lender for making payments on a timely basis. It’s important that they not slack off and miss a payment. This could jeopardize them from improving their credit status. It only takes one missed payment and the rest is history. Using credit repair services effectively can keep them on the right track.

Credit repair services have been an advantage for a lot of people. They have been able to restore their credit when they implement a credit repair program. Once you have a record of timely payments, you will be regarded as someone who has regained their creditworthiness.

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Choosing a credit repair company is a big decision. Choosing the wrong company could cost you hundreds or even thousands of dollars, and if they are not successful, you have delayed your goal of a good credit score by months or even years. And if that wasn’t enough, using a fraudulent credit repair service could even get you in legal trouble.

So to help you through this process and help keep you safe from getting taken advantage of, here is a guide to shopping for a credit repair service. Below are some tips you can use to make sure you end up choosing a legitimate credit repair company to help you work towards achieving your credit goals.

Know how the credit system and credit repair work

Before you even begin searching for a credit repair service, you should know the basics of how the credit reporting system works. After all, you wouldn’t go shopping for a new car if you didn’t know anything about how to drive or how cars operate. So make sure before you begin looking for a credit repair service you understand the basics of how the credit bureaus operate, how your credit reports are created, and how they are used, and why it is your responsibility to ensure their accuracy.

Know what a credit repair company can and cannot do

Despite what some credit repair providers would like you to believe, there are no secret tricks to repairing your credit. Credit repair companies use the same methods to clean up your credit reports that are available to you as a result of the numerous consumer protection statutes enacted to help protect you from being taken advantage of by creditors and the credit bureaus. The only difference is that an experienced credit repair company already has the knowledge and experience necessary to take advantage of these credit repair tools. In comparison, it may take you many hours of research and a few months of practice to figure out how to go about effectively restoring your credit.

Look at the services being provided

A credit repair company is legally able to provide all the same credit repair services you can perform for yourself, but this does not mean that all do. Many credit repair services only provide credit bureau disputes which can be effective for some people, but are typically less successful and take more time than pairing credit bureau disputes with other credit repair tactics.

Look for experience and results

While no credit repair company is perfect and ultimately the success of any credit repair effort is dependent on your creditors and the credit bureaus, an experienced company will likely produce faster and more meaningful results than a relatively new company that is still learning the nuances of the system.

Look at the price tag

The goal is then to get the best value for your dollar. To determine this, take into account what services you will be getting for your money and make a best estimate of the relative quality of these services. This should help you get a feel for how companies compare to each other. For example, if one service charges $49 per month for credit bureau disputes and has been operating for only 2 years, you are probably better off using a competing service for $20 more per month that also provides creditor interventions and has been in business for a decade.

Use your common sense

Just as you would at any other time when someone is asking you to part with your hard earned money, when you are looking at a credit repair service, trust your instincts and remember the old adage of anything that sounds too good to be true, probably is.

You should be completely confident that you are making the right decision. It is your credit that is on the line and your money that is being invested. Don’t let anyone pressure you into something that doesn’t feel right.

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There are literally hundreds of credit repair websites and a lot of them try to guarantee success but the reality is most of them are just a waste of money. They use methods of repairing your credit you can do yourself if you simply google credit repair templates. Their process is very lengthy and requires months and even years to get a lot of things removed and sometimes the bad marks can come back as some companies are very persistent, especially if you still owe them money.

The only guaranteed method to repair your credit is to pay off the old bills and get your derogatory balances to $0. “Well that isn’t very helpful” is probably what you are saying. Since none of us just have cash laying around to do that there are other things you can do that are guaranteed to increase your FICO score practically overnight and start rebuilding your credit.

It’s actually very simple. Sign up for Millennium Secured Credit Card and send them $300. Buy $90 worth of groceries on it and make the payments. Keep the balance under $90. Then sign up for www.alliedtrustdiamond.com and get a $10,000 unsecured credit card, buy something and make the payments. Do a google search for USA Shopping Club and sign up with them for $12,500 unsecured credit card buy something and make the payments, Eclub USA and get your $3,500 credit card and finally Horizon Gold and get your $500 credit card.

Once all of these companies report to the credit bureaus you are going to see an immediate increase in your FICO score. Guaranteed. Then you can work on getting the bad marks paid off and removed. It’s much easier to get them permanently deleted if you don’t owe them any more money.

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