Good Credit Repair Specialist
A good credit repair specialist often gets a bad "rep" because of the actions of those specialists who are disreputable
. This is true in every profession, really. Bad lawyers cause good lawyers to be the brunt of all the lawyer jokes which are constantly being told! By the way, did you hear the one about the lawyer who...sorry, I digress! However, like attorneys, good credit repair specialists can be invaluable when repairing your credit.
Both lawyers and credit repair specialists try to fix problems. Both positions require negotiation and patience (A quality many of us do not possess!). Both must interact with adverse parties! Both must know the legal limits and the consequences of their interaction.
We all know that there are good and bad practitioners in all professions. Credit repair is no different! Just as there are disreputable attorneys (I know, I know, that was a shocker, right!), there are also disreputable credit specialists. There really are credit repair specialists out there who will promise you the world knowing full well that they can't deliver what they promise.
So, how do you choose a reputable credit repair specialist? Well, to begin with, you need to know what to look for. A good start in determining how to choose a specialist is to know your rights. The Fair Credit Reporting Act (FCRA) outlines and explains your rights. The FCRA was drafted and then enacted on the premise that everyone deserves a second chance. You can obtain a copy of the FCRA by visiting their website. Print the FCRA and read it before selecting a credit repair specialist.
The Credit Repair Organizations Act (CROA) regulates the actions of all credit repair companies. This Act spells out how these companies may go about repairing their customers' credit. It explains what actions the they may take and in what manner. This is also helpful reading. You may obtain a copy of the CROA by visiting their website. Again, print this information and read it before beginning your search.
Once you understand your rights and are equipped with the knowledge of how credit reporting companies and their representatives/specialists must operate, you can begin your search for a good credit repair specialist. During your search, keep in mind that a good specialist will never:
- Promise certain results;
- Promise results will be seen quickly;
- Don't disclose your rights;
- Tell you that you cannot do the same thing yourself because only they have the know-how; and,
- Tell you that they can erase accurate information from your credit report (only inaccurate information can be erased from your credit file).
One good indicator that you have come across a reputable credit repair company is the company's longevity in helping individuals or couples with their credit repair woes. A company that has been in business for many years is most likely on the up and up. These long-standing companies will probably have a list of customers who are satisfied with the company's services and will be willing to discuss their experiences with the company with you.
In any event, the best way to protect yourself is to know your rights and to know what a credit specialist can and cannot offer! This will make it easier to weed out those disreputable companies. If you are being sued, you want an attorney who knows the law; if you are in the market for credit repair, you want a credit repair specialist who is reputable and knows how to get the work done within the limits of the law!
by: Jeffrey S. Ragan
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