Choosing a good reputable credit repair company is a challenging task. I've been in the collection industry for a long time, and seen credit repair come and go. These companies guarantee to repair your credit and once you become a customer it's hard to have good communications with them.
This lack of direct communication from credit restoration company is one of the biggest issues for clients. It's seems like they have clients on a waiting list as if they were some type of ill patient. I truly can not understand what's so hard about have a staff member call you up to discuss your file as long as you're in their program.
Small acts like this is what discredits this niche from have a positive attitude when trying to seek help. I myself had been one of those desperate clients looking for a reputable credit repair company to help me at one time. I've talked to other people that have tried other services such as Lexington Law and to only find out their were less professional and less responsive when it comes to communicating with clients about their credit files.
Most of us take the title of the company such as Lexington Law to be meaningful in helping struggling clients. However, when they join their program, they soon become disappointed with the services. Lexington Law is marketed very well and they have had plenty of success, but many people that I have recommended to other companies were very dissapointed in the service.
People have stated they been in their credit program for over 2 years and had not seen any results but continue to pay their monthly fee. I've asked, why did they stay so long and their reply was that they thought this company was a law firm and that they assumed they would get better results then any other credit restoration company.
I could understand how the title of the company could be misleading, but customers really need to look beyond the name. I'm going to share with you a few characteristics you should look for in a credit repair company.
- The credit repair company should be using 2 sets of laws. They should be using the FDCPA laws for dealing with the creditors and the FCRA when dealing with the 3 main credit bureaus (Equifax, Experian, and TransUnion.)
- They should offer you a monthly consultation to bring you upto date on your credit file
- You should be able to have a skype conference
- The should be offering you an Escrow service to make payments through
- They should be recommending to you things that you yourself could do to help rebuild your credit.
If you're currently looking for a credit repair service you may want to check out http://GoodCreditUnion.com
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