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