Credit Repair Miami Fl - Why should you hire a company to fix your credit?

Do You Really Think You Still Need A Credit Repair Company?

The answer really depends upon you and your situation. You really have to evaluate this thoroughly.

Even though you have learned the process and ins and outs of the process, still you may be unsure. May you are not confident. You may be thinking what is I did something wrong, will I be able to go back and correct it or will it even hurt me more. There are so many laws that keep changing and that it becomes very difficult for person not in the same profession to keep up to date.

This is the reason there are professionals in every field as they will help you to understand and work with you. Now I am sure there are both good professional as well not so good professional in every field. One more very important thing to remember that we have seen time and time again is many people start their own credit repair and they do not see any results and then are frustrated even more and come to us to help. It is a time consuming process and involved. It can take time away from your more important things in life.

If you still want to work with a credit repair, I would recommend keeping the following in mind:

-How long has the company been in existence?
-How many states can they do credit repair?

This critical as you know they are working to keep themselves up to date as the laws are very different in different states.

-What kind of rating they have with Better Bureau of Business?
-What kind of Guarantee do they provide?
-Who comes first when they are working with a client, the client or the company?
-Are they willing to negotiate and work with your situation where you feel valued?
-Do they have system where you know exactly what is going on with your file?
-Do they have a way to update you on the progress?
-Can you reach out to them when you have a question?

Bottom line is; do your search thoroughly.

Hope this helps you make the decision on whether you want to do your own credit repair or want to hire someone.

Credit Repair Miami Fl - Can I legally Repair my Credit?

Is Credit Repair Legal?

Absolutely. The Fair Credit Reporting Act allows anyone to dispute inaccurate items on their credit reports. There's nothing we do that you cannot do yourself when it comes to fixing your credit situation. Individuals can restore their credit on their own but this can take time and a lot of knowledge when it comes to the credit laws.

Almost every person even remotely thinking about getting their credit repair today worries about the legality of the process. In today’s video we are going to discuss this very key topic.

Credit repair is legal and the FCRA provides the guidelines that must be followed in order to correct any errors on a consumer’s credit report.

The issue arises when companies make false claims or recommend to clients trying to fix their credit to do things that are not legal and would be otherwise considered fraud by causing the consumer to do a fraudulent act.

You want to make sure when using a credit repair service that you are dealing with a reputable company and the process that they use is legal and follows the FCRA guidelines. If they are not following the FCRA guidelines you are leaving yourself open to be taken advantage of or potentially committing fraud.