Often people go searching for credit repair reviews to find a company they can trust to help them fix bad credit and increase their credit score. I get it, there's so much mixed information about there about credit repair, how do you know who to trust? So you go online and look for credit repair reviews...
Often the sites offering credit repair reviews are owned by the credit repair companies with good reviews. Then there are sites that give good ratings to credit repair companies that pay them to "research" their company. Shady to say the least. So how do you really know who to trust to help you fix your credit?
Do your homework! Here are a couple things to look for:
1) Even the best credit repair specialists will advise consumers that the whole process is time consuming and can be frustrating. This is the truth about credit repair, but it does not mean that you are "stuck" with bad credit for your entire life or even a number of years. People who have the time, patience and the knowledge can achieve results in a matter of weeks or months. If you do not have the time, patience or the know-how, you can hire a credit repair company.
2) Does the credit repair company limit the number of correspondence sent out on your behalf on a monthly basis? This is my pet peeve!!! Many companies limit the number of correspondence they send out monthly. This approach is designed to slow down your credit repair efforts and bill you longer. The longer it takes them to fix your credit, the more they get to charge you. This bothers me because when clients come to us for help, many of them are trying to buy a home or refinance high interest loans that are costing them a fortune.
2) The truth about credit repair is that establishing a good payment history will help. It does not exactly offset the bad credit, but if you are able to get a credit card and pay the balance off monthly, credit card companies will typically increase your line of credit. This will improve your credit score. There are many factors which determine a person's credit score and one is the amount of available credit versus used credit. So, if you are approved for a higher credit limit, but you do not "charge up" to that higher limit, then your credit score will go up. The best credit repair programs consist of building good credit, while removing bad credit.
That's why I created the "Credit Blitz".
All of this happens within hours of your enrollment. Then as you send in your responses, our processing team will have your next round of correspondence sent out within 48 hours. Our "Credit Blitz" is efficient and can drastically reduce the time it takes to reach your credit goals. What we accomplish on the first round could take months for other companies to do.
3)Last but not least, do they teach you how to build credit properly and educate you on exactly how your credit score is calculated? If the answer to these questions is no, their process isn't as efficient as it should be. So now you know what to look for when looking up credit repair reviews.
Once you have paid the creditor, they have no real desire to leave the negative information on your report. Even though the credit bureaus may say that a specific item will remain on your credit report for a specific amount of time; it is not necessarily the truth.
Often the sites offering credit repair reviews are owned by the credit repair companies with good reviews. Then there are sites that give good ratings to credit repair companies that pay them to "research" their company. Shady to say the least. So how do you really know who to trust to help you fix your credit?
Do your homework! Here are a couple things to look for:
1) Even the best credit repair specialists will advise consumers that the whole process is time consuming and can be frustrating. This is the truth about credit repair, but it does not mean that you are "stuck" with bad credit for your entire life or even a number of years. People who have the time, patience and the knowledge can achieve results in a matter of weeks or months. If you do not have the time, patience or the know-how, you can hire a credit repair company.
2) Does the credit repair company limit the number of correspondence sent out on your behalf on a monthly basis? This is my pet peeve!!! Many companies limit the number of correspondence they send out monthly. This approach is designed to slow down your credit repair efforts and bill you longer. The longer it takes them to fix your credit, the more they get to charge you. This bothers me because when clients come to us for help, many of them are trying to buy a home or refinance high interest loans that are costing them a fortune.
2) The truth about credit repair is that establishing a good payment history will help. It does not exactly offset the bad credit, but if you are able to get a credit card and pay the balance off monthly, credit card companies will typically increase your line of credit. This will improve your credit score. There are many factors which determine a person's credit score and one is the amount of available credit versus used credit. So, if you are approved for a higher credit limit, but you do not "charge up" to that higher limit, then your credit score will go up. The best credit repair programs consist of building good credit, while removing bad credit.
That's why I created the "Credit Blitz".
All of this happens within hours of your enrollment. Then as you send in your responses, our processing team will have your next round of correspondence sent out within 48 hours. Our "Credit Blitz" is efficient and can drastically reduce the time it takes to reach your credit goals. What we accomplish on the first round could take months for other companies to do.
3)Last but not least, do they teach you how to build credit properly and educate you on exactly how your credit score is calculated? If the answer to these questions is no, their process isn't as efficient as it should be. So now you know what to look for when looking up credit repair reviews.
Once you have paid the creditor, they have no real desire to leave the negative information on your report. Even though the credit bureaus may say that a specific item will remain on your credit report for a specific amount of time; it is not necessarily the truth.
About the Author:
Find out more information on credit repair reviews at www.integritycreditsolutions.com.
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