Credit Fixing Companies – How to Avoid Getting Ripped Off From a Credit Repair Company

Should You Pay For A Higher FICO Score?

If you are considering using one of the many credit fixing companies to repair your damaged credit you need to know that while they are convenient these companies often do not deliver on what they promise. They are also doing something that can easily be done by you with just a small investment of your time.

Three Things To Check If You Use One Of These Companies

The Cost Of Service– Take a good look at the cost that the company is going to charge you.Often times there are hidden fees such as a set up fee, credit report fee and administrative fee. These fees are on top of the monthly fee that they will be charging you to work on your credit report.

The Client Contract– Any reputable credit fixing company is going to provide you you with a contract that will state what they are going to do for you and the cost associated with that service. It should also state what they consider successful credit repair. Take a close look at the last part because many of these companies consider one negative mark being removed as a success.

The Guarantee Of Service– Make sure that any company making wild claims can back it up with a good guarantee that clearly spells out the terms, cost and expectations that are to be met by them. Often times there will be no guarantee offered because quite simply no one can guarantee this type of service or predict what is going to happen, there are just to many variable to consider!