There could be a number of errors on your report that you could potentially overlook. Even a minor error can have a negative impact, such as an incorrectly entered date or a misspelling. It’s good to carefully look over your own report first and then work with a credit repair company that will help you review it and offer a solution.
By law, no reputable credit repair firm will accept payment from you until after their services are rendered. Also, beware of any firm that makes specific guarantees, such as helping you raise your score by so many points in a short period of time. This type of “guarantee” is purely a scam.
Since there are three primary credit bureaus: Experian, Equifax, and TransUnion, you need to obtain a copy of your report from all three, since different lenders report to different bureaus. There is also the matter of the recent Equifax hack. If you haven’t yet done so, check and see any of your personal information was compromised. If it was, take an extra look at the Equifax report to see if there is anything on there that shouldn’t be, as it could signal identity fraud.
The best credit repair firm will be knowledgeable about the law, and will use any means legally necessary to help you repair or rebuild your credit. You’ll want experts who have the law on their side to help you get things straight with your reports. Even if you don’t actually see anything wrong on your reports, you never know if you might be overlooking something. This is why it’s good to have expert help.
Even if 100% of the information on your reports – including the negative items – are accurate, it’s still helpful to have professionals to help you get back on the right track again. The best credit repair companies, such as Lexington Law, are definitely worth contacting. They will even give you a free consultation.