A Credit Repair Specialist Might Be Your Last Resort
Have you been struggling to dispute credit report errors on your own but not
finding any success. Don't let it get you down, while there is a process in
place for you to help repair your credit it isn't always consumer friendly.
Sometimes it makes sense to let a credit repair specialist handle your
claim and help speed up the process.
What a Credit Repair Specialist can do
We're all experts in something, you might be a mechanic, school teacher, or
truck driver. No matter what your profession is you're probably an expert at it
compared to everybody else. Unless you're a credit repair attorney then chances
are you aren't an expert about credit report disputes and credit score repair.
The fact is very few of us are experts in this field, so it makes sense to
seek the help of a credit repair specialist to guide our way. We don't all try
to fix our own cars, we take them to a mechanic, so why wouldn't we let the
professionals tune up our credit report?
A credit repair specialist, such as an attorney or lawyer handles your case
on your behalf disputing negative items that appear on your credit report. Like
you they write letters, send them into the credit bureaus asking for an
investigation into particular items, the difference is their experience.
Credit repair lawyers, attorneys, and other organizations spend every day of
their professional lives contacting credit bureaus, studying credit repair law
and attempting to remove negative entries on clients credit reports. They have a
lot of data and experience to draw on when handling your case. This is
information that you and I just don't have. Because of this information a credit
repair specialist can pick and choose which items to dispute based on their
experience with having that type of item removed.
It's like taking hundreds or even thousands of peoples credit report disputes
and comparing what was and wasn't successful to make your decisions. That in
itself is a very valuable benefit of hiring a credit repair specialist.
When you hire a credit repair specialist to handle your case the process
starts similar to if you were to handle it yourself. You contact all three
credit bureaus ( Equifax, TransUnion, and Experian) and request a copy of your
credit report. You will then send in a copy of all three reports to the credit
repair service you've hired.
The company and you will make decisions on what items you will dispute. This
where the experience comes in handy, the credit repair company can help you
choose the items that have the greatest chance of being removed. This will save
you time, and improve your credit score faster.
From this point the credit repair lawyer or specialist will take over and
begin filing your disputes. Whether you handle the credit report disputes, or a
professional does it the credit bureaus still have 30 days to investigate your
claim. It usually takes about 60 days from dispute to outcome. After the dispute
is finished you request a new copy of your credit report and the process starts
all over again.
My top choice for credit repair specialists is Lexington Law. They've been
handling credit report disputes for 15 years, and have deleted hundreds of
thousands of items from clients credit reports. Items like
- Late payments
- Charge offs
- Collections
- Repossessions and more
Take a few minutes to visit Lexington Law, there's a
toll-free number at the top of each screen give them a call and find out how
their service can improve your credit score.
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