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who can help me fix my credit

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answered Apr 12, 2016 by pfGuru (19,170 points)
 
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If you are a consumer with credit issues, you will need to look into credit repair company to correct these problems. A credit repair services company specializes in correcting items on your credit report that should not be there. There are many places that do this type of work, so you have your cream of the crop. 

There are many credit repair companies to choose from so you should not have any trouble finding one to help you. However, be sure to do a little research so that you hire a reputable company. 

The credit repair company acts as a go-between for the consumer and the credit bureaus. The main purpose of the credit repair company is to dispute items on the consumer's credit report. T

he consumer may have tried to contact the credit bureau on their own and not had the advantage to get the items removed. If this has happened to you, then you will need to contact a credit repair company to talk to the credit bureaus for you. 

Enlisting the services of a credit repair services company can help you to get the assistance that you need. They can act as a middleman to get the credit repair assistance that you need. 

The company will contact the major credit bureaus on your behalf to get things straightened out. Your credit report will be checked to see what errors need to be corrected or removed from the report altogether. 

The consumer has to pay a fee to the credit repair services company for them to do the work they need to do. The fee that you pay will be used to retrieve your credit profile and get in touch with the credit bureaus to get rid of the information that doesn't need to be there. 

Credit repair can be a time-consuming process, but once everything has been corrected, then you look for your credit scores to rise. However, consumers must keep in mind that this is NOT an overnight process.

Since credit repair takes a while to accomplish, you will be dealing with your credit repair company for quite some time. The goal of the credit repair company is to get all bad information off your credit report and to make sure that it is not put back in by any lenders or other financial institutions. 

Even after all is complete with the credit repair company and you see the resulting rise in your credit score you need to stay vigilante. You need to check your credit report at least once a year to make sure that no other erroneous information has been put back on your credit report. 

One thing that a consumer needs to keep in mind is that the credit repair company will not remove any information that is correct even if it is detrimental to your credit. It is unlawful for them to do this or even attempt to have it done.

This is the reason why you should know how credit repair companies work to help you avoid being a victim of fraud and rip-offs.

 

TIPS:

The monthly cost for credit repair services is generally in the same area. 

One of the best and cheapest services is Sky Blue Credit Repair, which charges $59/month. Lexington Law, another leader in the credit repair space, charges $59.95/month. ( Here’s a side-by-side comparison of Sky Blue and Lexington Law ) 

Another trusted credit repair site, CreditRepair.com , charges $89.95/month, but they also provide more features than the standard plans from Sky Blue and Lexington Law.

  • Learn more about Sky Blue Credit Repair here or call to talk to a live person. (Reader tip: Call between 9-5 M-F EST, press 2 at menu.)
  • Learn more about Lexington Law here or call to talk to a live person.
  • Learn more about CreditRepair.com here or call to talk to a live person.

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