$1500 for Credit Repair? You Can Do it For FREE!
Today I saw a press release from a company offering credit repair services for $1,500. Look at what Credit Restoration Consultants claims they can do for you:
Credit Restoration Consultants is a credit service organization specializing in the restoration of consumer credit worthiness as well as identity theft. We assist consumers in achieving a favorable financial credit profile. Everything we do is legal utilizing laws enacted by Congress to dispute negative, erroneous, obsolete, and/or fraudulent information contained within your consumer credit profile.Sound like it's worth $1,500 of your hard-earned money?
I noticed this company's promises didn't include the infamous "We can get you A++++ credit score in 30 days, guaranteed" types of claims. It's good for them considering the FTC is cracking down on smooth-talking credit repair agencies making deceptive claims. Still, there's no use in paying a credit repair company because you can do it for free and Credit Restoration Consultants lets you know that. They say, "Keep in mind that anything Credit Restoration Consultants can do - you can do yourself." Exactly!
If you can come up with $1,500 use it to pay off some of the legitimate delinquent accounts that are hurting your credit. You can dispute them all day long, or even over a period of six months, if they're accurate and the account issuer can prove it, the account will say on your credit report. The best way to repair your credit is to get rid of the negative information (by paying it current or letting it fall off) and adding positive payment history to your credit report.
You'll never find me advocating a credit repair service because there are too many free resources that tell you how to improve your credit. Like these:
Comments
You can change your own oil. You can paint your own house. You can even sue someone without an attorney. The argument that you shouldn’t hire someone because you can do it for free seems to only come from those promoting programs or writing for websites that sell advertising space.
Not to mention — it’s not always easy for a consumer. There’s a reason there have been countless lawsuits by consumers against the bureaus for IGNORING valid disputes of inaccurate information. The system is set-up to work against the consumer and some benefit from professional assistance — or even the help of an attorney.
Do You Lay In Bed At Night Just Dreaming Of Those Days Before Your Credit Started Spinning Out Of Control… And Wish You Could Just Start Over?
Do You Constantly Live Paycheck to Paycheck… Stressing Out When You Think About Next Months Bills?
If you answered \”YES\” to any of those questions you need to come here right now!
How to do a credit repair
Thank you for posting information on my credit repair company, Credit Restoration Consultants. As a credit service organization specializing in the restoration of consumer credit worthiness as well as identity theft, Credit Restoration Consultants has never in our seven plus years promised or guaranteed a specific result and advises you in writing not to have an unrealistic expectation of the credit restoration proceess.
Although your post was genrally postive, you should have mentioned the fact that Credit Restoration Consultants also spoke of free resources and the opportunty to learn DIY credit repair by listening to the Credit Restoration Consultants Hour on AM 1470 WWNN in south Florida each and every day at 9 a.m. and 9 p.m. For those outside the listening area, they can click the WWWN link on our website at www.TalkAboutCredit.com.
As one of the nations top credit repair experts, I always advise due diligence. Check out the companies in which you seek to retain for credit repair and make sure you receive a written contract. If the company you are dealing with does not have a: (1) detailed contract explaining their services; (2) a notice of state and federal rights in relation to the credit repair process; and (3) a separate form detailing your three day right of recission - run from them and run from them fast. They are scams!
Credit Restoration Consultants may not be the least expensive credit repair company in south Florida but we believe ourselves to be the most reputable. In this trying economic time, we have drastically reduced our fees to met with public demand and will offer a reputable service at a more than fair price. Please remember that you get what you pay for. If you want “cheap” credit repair - Credit Restoration Consultants is not the company for you.
In deciding who to retain in the credit repair process, all I ask is that you practice due diligence by researching a credit repair company first. Education and research in this most important process is not only necessary, but mandatory.