If you’re in the market for quality credit repair services, what is it that you look for first? Most commonly the answer is, “the fastest possible improvement in my credit.” But this is exactly the wrong approach – one that will lead you astray in choosing a credit repair company and sometimes, one that will employ illegal methods to improve your credit score.

Does that seem surprising to you? Let’s look more closely.

If your priority is the fastest possible credit repair, you become vulnerable to unethical credit repair services that are hoping to take advantage of people whose primary focus is getting their credit fixed quickly.Here are five important tips so you can select best credit repair services, while protecting yourself from unscrupulous credit companies.

Tip No 1 – reputable credit repair firms never advocate quick-fix methods to improve your credit. On the contrary, every legitimate company will make sure you are informed as to what credit repair services you can expect. Their services will be outlined in a contract. Make sure they do present you with a contract; and if the contract is not presented, you can be sure that the company you are considering and the credit repair services they offer are fraudulent.

Tip No 2 – All trustworthy credit repair companies will make you aware of your rights and guide you in regard to the credit repair services that you can (and should) do for free. Things such as obtaining your free annual credit reports from each of the three credit bureaus, monitoring the entries in your report, disputing wrong entries, good financial management and so on, are those things you can take care of for yourself.

The company will teach you what can be handled on your own with little effort, and what requires the expertise of professionals. The trustworthiness of the credit repair company you are considering can be well judged from such preliminary interactions.

Tip No 3 – No trustworthy credit repair professional will ever suggest that you bend or break the law. There will be agencies that advertise a “second or new” identity, complete “cleanup” of all negative items, super fast credit improvement and so on.

Never take these types of promises seriously until you have gone to the website of the Federal Trade Commission (FTC) and read up on credit repair. You will be made aware that the credit repair services these types of companies promise are fraudulent are even worse, illegal.

Tip No 4 – All reputable credit repair agencies offer, among their services, free and quality counseling. As explained earlier, a legitimate credit repair company is more than willing to help you achieve financial self-sufficiency. They will provide you high-quality credit repair services and simultaneously teach you what you are able to do yourself. If the agency is unwilling for you to learn about credit repair, contacting a credit bureau, and/or convince you that you cannot do anything on your own, then they are clearly fraudulent.

Tip no 5 – This is being mentioned last, in hopes it is the most likely to be remembered. Check out the affiliations that your chosen credit repair agency has. For instance, many reputable companies in this business are members of the ECRA (Ethical Credit Repair Alliance), which ensures that you – the customer – get the best possible credit repair services. Make sure the agency of choice has membership in a recognized regulatory agency.

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This entry was posted on Tuesday, November 17th, 2009 at 2:23 pm and is filed under General. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.