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April 3, 2017
Often we are asked “Can’t I just repair my credit myself”. The answer for this simply is yes. I Bet you didn’t expect us to say that since we are part of the “Credit Repair” industry. The truth is and we want to be truthful is that, yes you can absolutely repair your credit yourself. That is if you fully understand the ever-changing laws regarding credit repair, how to accurately read a credit report from all three bureaus, and know the process for disputing and knowing what is actually disputable on a credit report. If you don’t then we highly recommend using one of our top rated companies.
Our thorough rating process lets us grade nearly every credit repair company in the country on a variety of issues.
First, we make sure every company is fully compliant with all applicable state and federal laws regarding the credit industry. This means if they are to be registered in their state we check their registration to see that first they have one and that it is current. If they are to be bonded then we check their bonding.
We not only check to see just how long the company has been in business but we also check the previous experience of the ownership and the managers. We make sure they have a financial background and specialize in credit and mortgage. This way we know they are abreast of all laws regarding credit repair and credit reporting.
We comb through their site and where else we can look to ensure that they are actually getting results for their customers. Not just a result here and there but that they are consistently improving people’s credit scores and helping them achieve their goals of getting a home or a car.
Lastly, and maybe most importantly we see what their real customers have said about them. We scour the web for customer reviews on sites like Trust Pilot, Yelp, Google, Yahoo and anywhere else we can find. We try to paint a real picture of just what a customer will go through when signing up with a company.
Like we said while you can repair your credit yourself we only recommend it if you have all the knowledge and tools that our top companies have at their disposal.