Top Rated Credit Repair Services (What To Look For)

By James Young on July 14, 2013
Top Rated Credit Repair Services (What To Look For)

If you’ve been on the prowl for a mortgage , you probably have a pretty good idea of the important role your credit report plays in helping you qualify for the best rates possible. Maybe you’ve even taken our advice (we hope so!) and requested – and received- copies of your reports from the three major credit bureaus. And maybe you’ve learned you have some work to do to make sure your credit reports look as good as possible.

While it’s true there are some steps you can take on your own to improve your credit reports and scores, the fact is, there are some tasks involved in credit repair that are best left to the professionals. If DIY credit repair seems time-consuming (it is) and often frustrating (ditto), or if the steps you’ve taken haven’t resulted in any meaningful improvements in your reports or scores, it’s time to call in a credit repair service.

Advantages of Top Rated Credit Repair Services

Reputable credit repair companies offer one clear benefit over DIY efforts: As established companies, they carry a lot more weight with creditors than you do. That means that most creditors will take them a lot more seriously than they take you, which means they’ll also be much more willing to remove errors and discrepancies that can be pulling your score down. With an agency, the element of emotion is removed; creditors know they’re working with an unbiased third party, so meaningful negotiation is much more likely.

What’s more, credit repair companies with long and established records of success (like CreditRepair.com) also have developed strong, positive working relationships with creditors. They understand the steps that need to be taken – and the order in which they should be taken for greatest effect – in the credit repair process.

In short, because they understand the credit repair landscape and have a reputation for professionalism, established companies like CreditRepair.com can cut through the considerable red tape and get right to the issues that will make a difference in your credit.

What to look for in a credit repair company

To get the best results, look for a company that:

  • has been in the business for awhile
  • provides you with a detailed game plan based on your individual needs and goals, not a cookie-cutter, one-size-fits-all solution
  • explains the steps they’ll take to help repair your credit
  • fully understands the required steps in credit repair
  • offers regular progress reports as well as email or text alerts to keep you updated on changes in your credit
  • provides an easy-to-use interface like a customer dashboard so you can monitor your progress yourself

Credit repair may seem straightforward, but for most people, meaningful results require considerable effort. Hiring a credit repair agency helps you get where you need to be while letting you focus on other areas of your life, like looking for your ideal dream home.

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About James Young

My name is James Young- I love red wine, sailing, and playing guitar. I believe that everyday is truly a gift. I'm blessed to live five minutes from the sand in the beautiful city of Long Beach, CA. When I'm not assisting homeowners, you'll find me belting melodies with friends around a campfire, wandering the halls of an art exhibit, or watching ESPN re-runs until the sun comes up. So what am I doing here, you might ask? In a couple of sentences- I'm passionate about empowering first-time and experienced home buyers to make their dreams a reality. Whether it's saving thousands on your home loan, buying your first home, or acquiring your first investment property, I'm always here to help. Don't hesitate to ask questions, and please remember to "share the love"! :) #loveloans #loverealestate #lovelife!