Credit repair refers to any type of legal action that you or a service provider can take to try to remove negative items from your credit reports in an attempt to boost your score. Since not all of these services are legitimate, it is important to understand your rights. Although you can attempt credit repair on your own, it’s best to work with experienced legal professionals who have a better chance of success when dealing with your creditors and the credit bureaus. How do you know which are the real and legitimate credit repair services?

The first thing you should do is familiarize yourself with the Credit Repair Organization Act (CROA). This Act protects consumers from illegal acts by credit repair companies. Here are some things you need to know about your rights:

• Get a company to give you all of your legal rights in writing, as well as the details of the services they will provide.

• You must have a money-back guarantee of some sort.

• Your consultation should be FREE and as personalized as possible.

• You should not receive any specific promises. Nothing can be 100% sure when it comes to credit repair.

• You should never be expected to contribute money up front. No legitimate credit repair service will try to charge you right away. The only guarantee you should receive is the money back guarantee.

• A legitimate company will usually have lawyers and paralegals within its network, and will not propose any solution or technique that is not 100% legal.

Guarantees of Legitimate Credit Repair Services

While no company can guarantee specific results, they can show results from previous clients (with clients’ permission) and give you an idea of ​​what they’ve been able to do in the past and what they’ll do to try. and help you. Any money you end up paying to a legitimate company will likely be much less than the money you stand to lose because of bad credit. You may not even be able to rent or buy a house if your credit is bad! Also, in some places, you may have trouble finding a job.

Credit bureaus and credit card companies will take your case more seriously if you have a legitimate company working on your behalf. This will really increase your chances of cleaning up your credit in a shorter period of time than if you were doing it all on your own.

Where can you find legitimate credit repair services? One company that always seems to get positive reviews from clients is Lexington Law. Paralegals who work cases are excellent at communication. You will be kept informed, every step of the way.