How to Avoid Credit Repir Scams

It’s not always easy to separate good advice from bad. Here are some tips to help you when it comes to hiring a professional to help you with your credit challenges:

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Get Educated

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Knowing how to separate good advice from bad is not easy, but it can be done if you do your research. I have several Fact Sheets that you can read to educate yourself on how the credit system works. All you need to do is ask.

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Ask For a Referral

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Asking for a referral from a source that you can trust is a great step toward separating bad advice from good. In many cases you will find that your realtor, your mortgage professional, your accountant, or your attorney can recommend a trust-worthy credit improvement expert. I have a great resource for you.

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Don’t Buy Into a Sales Pitch

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How to Avoid Credit Repair Scams

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Firms that advertise on television or in the newspaper are generally staffed with salespeople, not specialists who can help you.

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Expect to Pay

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Don’t expect to receive good advice for free. Everyone has to make a living. If you call on a professional credit expert for advice or help, expect to pay as you would an attorney or accountant.

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Ask Questions

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Make sure the credit specialist you are talking to or taking advice from can tell you how credit scores are calculated. Without this knowledge, it would be impossible to create a strategy to successfully improve credit scores.

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Be Realistic

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Improving credit scores takes time. Watch out for companies or individuals promising miracles will occur in a few days or weeks. Remember, it took time for your scores to get where they are, and it will take at least 3-6 months, depending on your challenges, to improve your situation. It can take up to a year or more if you have multiple collections, tax lien, bankruptcy or identity theft issues.

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Participate

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Make sure that you are working with a company that requires your participation. It will not only ensure a higher level of success, it will also ensure a greater knowledge base.

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What makes my credit score go down?

here are many things that affect your credit score negatively. Not having enough credit, having too much credit, not paying your bills on time, maxing out your credit card accounts, applying for credit and being denied. It is important that you spend some time educating yourself on how the credit scoring system works. We can help you.

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For a detailed list of the items that lower credit scores, please ask for our Fact Sheet: 15 Reasons Why Your Credit Score Is Low.

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