Credit Repair Services

Credit Repair Professionals

Credit repair services are for consumers who prefer having professionals managing their credit disputes and dealing with their creditors. To these consumers, saving time and not having to deal with the consumer reporting agencies, creditors and collection agencies is more than worth the cost of hiring professionals. After all, it could take up to 12 months of writing letters to completely repair your credit. Not to mention all of the consumers laws you have to familiarize yourself with.

Getting it Done Right

I hear it all the time: "I will send out a dispute letter that I found online and if I don't get the results, then I will hire a credit repair service." Let me tell you why this is a mistake (especially if you don't know what you're doing). When it comes to credit repair there are right ways to do it and there are wrong ways. And believe me, I've seen plenty of wrong ways. Some of them will get your disputes flagged as "frivolous". Others will get a 90 day "fraud alert" placed on your account.

There really are no second chances when it comes to dealing with the consumer reporting agencies. They will eat you alive if they know you don't know what you're doing. If you are going to do it yourself, please do yourself a favor and learn the laws and the in's and out's of credit repair before sending that letter.

Watch Out for Scams

All credit repair services must follow specific guidelines from the Credit Repair Organizations Act, which is intended to protect consumers and is enforced by the FTC.

Our Recommendation

When it comes to credit repair services, our top choice is Lexington Law. Read our credit repair reviews to get the full scoop on Lexington and the other top credit repair services online.