There are a lot of credit repair companies out there and some of the most prominent ones can be listed as The Credit People and Pyramid Credit Repair. We can skip through the two services. Firstly, the Credit People will provide their customers with a trial during one week for only 19 dollars so that they can try to know whether the service is suitable for their needs or not. If they decide to go for The Credit People for six months, they need to make a payment of only 299 dollars, which is 79 dollars cheaper than the monthly amount. Last but not least, The Credit People also offers guarantee in case customers do not feel satisfactory with the work and they can cancel at any time they want.
When it comes to Pyramid Credit Repair, the price is around 100 dollars each month. If you and your friend sign up the service at a same time, you will get a 50% discount for the first month.
Apart from the common credit repair offerings, Pyramid also provides users with a convenient website as well as a mobile site for them to control their credit. There are also account managers who are always ready to support you manage the progress as well as any concerns you may have while using their service. Pyramid has always been famous for its wonderful customer service and the dedicated account managers. From online reviews, it is easy to see that Pyramid scores almost 5 stars while there is no registration with Better Business Bureau.
1. The best credit repair companies
An effective credit repair company will guarantee to carry out these following processes:
Firstly, they need to retrieve their customers’ reports from three credit bureaus which are Equifax, Experian and TransUnion. Secondly, they need to be sure that they are able to fix the mistakes turned up on customers’ credit reports. Moreover, they should help their clients grow their credit score and be able to deal with the lenders in deleting negative terms from the credit history. Last but not least, a good credit repair company has the ability to make use of credit repair law in order to remove negative items from credit reports.
Another thing to stick to mind is that both credit repair and credit restoration are the same. The ability to do these things is for improving your total credit score on your own or with the support from a company.
2. The responsibility of credit repair organizations
First of all, the credit repair service will start to evaluate your credit report by taking items into consideration carefully. Then it will deliver you a specific plan which is considered to be suitable for growing your credit score. As soon as you agree to follow the plan, the company will begin to carry out that plan. Although the process seems to be rather slow, the results will prove how effective the service is. Moreover, in case you are finding a debt relief, you can do a research for Freedom Debt Relief.
3. About credit repair services’ operation
If you have too many mistakes on your credit report, credit repair companies will start to fix those errors first. On the contrary, if you have had a good history of credit or own a good record in the past, the credit repair companies will start to discuss with the lenders in order to remove negative items from your credit reports. These are some of ways that the credit repair companies will carry out for your credit report.
4. How a customer can know whether a credit repair service is suitable for him/ her or not
In this term, the most effective credit repair service for someone relies on their own needs and requirements. For example, if they are finding a company with an affordable price and they only need the most basic credit repair, they can go for such companies as Sky Blue. Otherwise they can choose such services as Lexington Law and Credit Repair. Com if the issue is rather more serious and they require credit monitoring on a monthly basis as well as identity theft protection.
5. What is better: receiving support from credit repair companies or doing on your own?
Actually, the price to carry out everything by yourself is less expensive than hiring a credit repair company. However, the effort you should make is much bigger and the results may be not as effective as hiring a credit repair company.
6. About credit repair companies and what you should focus on
When it comes to credit repair, you may concern about expensive credit repair services as well as scammers. Due to the fact that there are so many scammers on the current market, people may feel confused when choosing but there are truly credit repair companies that can support them to advance their credit score. The major action is to know which companies can support and by what ways they can help.
First and foremost, when finding a credit repair company, you should find the one that commits the government regulations and standards. Moreover, credit repair services must be offered with the choice to cancel at any time and a list of all services in written context. Especially, customers do not have to pay until they receive the desired results.
Secondly, customers should know what to expect from the credit repair companies. Credit repair is not so magical. In other words, not everything can be dealt with easily and every credit repair company must follow the rules. They can make a big effort in helping you but whether the negative items can be removed out of your credit reports or not is not under the control of the company.
Finally, as you may know, credit repair companies charge you monthly, which is rather convenient. However, the process may take slowly. Thus, you should be careful when choosing a company as there are some organizations trying to carry out the process more slowly than it should be in order to charge you more.