subject: Finding a Trustworthy Credit Repair Business [print this page] There is far too much disagreement related to the credit repair business to discount it. The fact is, the reason that most people who need credit repair help hesitate to avail of these services, is the shady reputation this industry has gathered in the recent past.At the same time it's unfair and untrue to say that all credit repair businesses are out to rip off consumers. There are many trustworthy professionals prepared to make their best effort to do everything legally possible to improve your credit. However, that raises the issue of how to identify the reputable companies and how to stay safe from the traps the fraudulent credit repair business agents lay for you.Contrary to the common wisdom, spotting a deceptive credit repair company isn't really so complicated. The first warning sign is when such an agency purports to repair your credit overnightAs your credit worthiness is based on many years of financial history, it's just not possible nor is it realistic to expect to improve your credit score overnight. The moment any credit repair business guarantees the impossible, it's time to look elsewhere, because they are clearly dishonest!There are other simple telltale signs that will point out a fraudulent company in no time. The fraudulent companies in most every case will demand full payment from the beginning.Under federal law fees may not be charged until services have been rendered. Regardless of how bad your credit is you need not pay the complete fees in advance.A less-than-reputable credit repair agency will not hesitate to go outside the law to fix someone's credit. They will even counsel you to use illegal methods while convincing you that there is nothing wrong in doing so, as they know an "insider" who works for the credit bureaus who will cover their tracks.Never fall prey to lies of this nature! Make sure you never support any type of intervention to improve you credit score that isn't 100% legal. Irregardless of how bad your problems are, they will be made even worse if you do anything illegal.You are the one who is primarily responsible for any illegal activity to improve your credit; for that reason you stand to be prosecuted if caught breaking the law. At the end of the day, it's not worth the trouble it can cause you!Another simple way to determine if the credit repair business you're considering is legit, is to request that they guide you in learning about repairing credit. A trustworthy company will happily provide you counseling and "hand holding" in your efforts to become more knowledgeable in regard to credit restoration.A reputable company will act as a facilitator, while an untrustworthy business will be very secretive about giving you information concerning the credit repair process.
Finding a Trustworthy Credit Repair Business
By: Jim Eastman
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