What To Look For In A Credit Repair Houston

If you want to hire a Credit Repair Houston, then you must make sure that the agency

you are going to hire is composed of people that you can trust with something as important as your credit standing. But how will you know that you are being duped? Can you just trust anyone who tells you that they can take away your credit status problems? Who do you need to hire? And more importantly, what are the things that you must look out for when selecting a credit repair agency?

Empty promises

Be wary of empty promises. This means that companies that tell you they can remove all the negative things in your credit standing are just lying. No company can do that; even the best credit repair company cannot remove all the negative things in your credit standing. What they will do is just to evaluate your credit report, and try to look for mis-filed items.

Upfront payments

A true Credit Repair Houston would only ask you to pay their fee once the job has already been done. If the credit repair company is asking you to pay them while the investigation is still going on, then you need to think twice before hiring them. Most of the time, you might end up just paying for something that did not do anything for your credit report. Remember that under Credit Repair Organizations Act, a credit repair company can only ask payment after the job has already been completed.

Misinformation from the company

If the Credit Repair Houston does not tell you your rights, then you cannot trust that company. It should also tell you what are the things you can do for free like acquiring credit reports from numerous credit companies. Also, once a company tells you that you cannot contact the three major credit companies, then that is already a sign that you cannot what that company tells you.

A company that tells you that they can get rid of all the negative credit information on your credit standing is also not to be trusted. Remember that a company cannot remove all the negative information on your report, especially if they are accurate. If they advise you to dispute the correct and incorrect information, then you would know that it is a company not worth spending money over.

Another thing that you must avoid when choosing a credit repair agency is when it tells you to create a new identity, just so your car and personal loans can be approved. If they are a reputable credit repair company, then no advice like that would be given.

It is prohibited under the law for anyone to have a duplicate identity just so they can escape from their bad credit rating. Everybody is encouraged to be responsible with their finances, so that they wont encounter such bad circumstances when they are applying for a loan.

by: Arthur Vasguez

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