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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