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Credit Repair Services Five Great Tips

When you are out seeking credit repair services, what do you look at above all else? The most popular answer here will be, "the quickest means of improving my credit." But this answer is the wrong motivation factor - one that will result in a very bad choice of credit agencies and more often than not, one that will operate outside the law to improve your credit.

When you make "fast" credit repair your priority you are opening the door to unscrupulous agencies that are hoping to take advantage of people whose primary focus is getting their credit fixed quickly. Allow me to introduce you to five foolproof tips that will ensure you get the best credit repair services and steer clear of corrupt credit repair firms.

Tip No 1 - honest credit repair services will not advertise quick-fixes to improve your credit. In fact, a legitimate credit repair service will make you fully aware of what credit repair services you should expect from them. You will have these services listed in the form of a contract. Make certain there is a contract; and if the contract is absent, you can be certain this company and their services are not legitimate.

Tip No 2 - All trustworthy credit agencies will make you aware of your rights and help guide you in respect to those credit repair services you can do for yourself. 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 things that you may, at one point in time, do on your own.

The agency will teach you what can be handled on your own with little effort and what will better be left in the hands of professionals. The value of the credit repair services that company is offering can be judged based on this first interaction.

Tip No 3 - No reputable credit repair agency will ever hint at using illegal means. There are a lot of companies that advertise a "second or new" identity, complete and guaranteed removal of bad entries, and so on. Please! Before you take such claims seriously, visit the Government site of the Federal Trade Commission (FTC) and checked out what it says about repairing your credit score. This will make you aware of the fact that the services these types of companies promise are fraudulent and more often than not illegal.

Tip No 4 - Every trustworthy credit company offers, included in their services, free and quality counseling. As we've seen, an ethical credit repair agency will always be ready to handhold you along the path to financial self-sufficiency. They will be prepared to offer you top-quality credit repair services while at the same time, they will be happy to teach you what can be done on your own. If you find that the agency discourages you from learning about credit repair, and leads you to believe you can do nothing by your own efforts, then you can be sure that you are being taken for a ride.

Tip no 5 - The best tip is being mentioned last, because it is the most important and likely the one you will remember the most easily. Check out the membership organizations to which the company belongs. As an example, many legitimate companies who repair credit are members of the ECRA (Ethical Credit Repair Alliance), which ensures that you - the customer - choose the most competent credit repair company. Be certain that the company you choose is aligned with a regulatory body.

About Author Jim Eastman :

Jim Eastman writes about business and business ethics. For the free report "The Danger Signs to look for in a Credit Repair company" visit <a href="" target="_blank"></a> t-repair-services/

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Article Added on Wednesday, November 18, 2009
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