How to Find a Credit Repair Service

Shot of a young woman using a laptop and credit card while working from home

The Credit Repair Service in our society today has evolved over the years and it is not only focused on debt reduction. Nowadays there are services that provide advice and assistance after a consumer defaults on his credit card bills and gets sued by the creditor for the default. There are services which advise you on management plans after your credit score has taken a beating Get Credit on lowest interest. These companies also help the consumer to improve credit scores quickly and easily. The six best Credit Repair Companies of 2021 are: Global Settlement & Refinancing Services, Inc., Allied Universal Credit Solutions, American Consumer Credit Counseling Association, American Credit Union, and Certified Financial Planning Associates.

Global Settlement & Refinancing Services: This is one of the more prominent bad credit repair companies that have evolved in the market place. They claim to be the world’s largest non-profit, tax-deductible credit counseling firm. They are a group of certified financial planners, lawyers, and debt specialists who come together to render counseling and to assist you in improving your credit report. They are experts in debt settlement, bankruptcy alternatives, management plans, income protection strategies, and consumer protection laws. They also provide investment tips, stock tips and other financial advice for people with bad credit reports.

Croa: This credit repair service company offers a one time payment of $100. They guarantee that they will remove any negative marks on your credit report that you have not disputed. Croa offers the guarantees in writing to the three major credit bureaus: Experian, Equifax, and TransUnion. They also guarantee that if they fail to remove the marks from your credit report, that you will then repay the entire amount that you have paid to them under the condition that they will remove the negative mark from your credit report.

American Consumer Credit Union: This is another of the many good credit repair companies. They specialize in working with clients to repair bad credit scores and restore their good credit scores. American Consumer Credit Union has a web site where you can register to receive alerts whenever a new loan or credit card application is available. If you are approved for the loan or credit card, they will deposit the payment into your checking account. They also offer financial education and referrals to local attorneys, businesses, and debt consolidation companies that can help you get out of debt.

American Credit Rebuilding: This credit repair company specializes in helping clients to repair their credit scores. They offer the guarantee of removing any incorrect marks from your credit report and then working with you to fix your credit scores. Their Web site features a Frequently Asked Questions section where you can find answers to frequently asked questions about repairing credit scores. You can learn about using dispute letters, common errors, and what type of disputes are generally considered to be frivolous. This company also offers an initial meeting free of charge, and after the first meeting you will be charged with a flat fee for any services you request.

The Better Business Bureau (BBB) offers the names of many reputable repair organizations. Before hiring a company, check them out with the BBB to see if they are registered, bonded, and insured. If you are not comfortable with their techniques or are concerned about the methods they use to repair your bad credit, then do not sign up for the service. The best way to go about repairing bad credit is to repair it yourself!

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