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The Truth About Credit Repair & Credit Repair Companies | Credit ...

Aug 8, 2013 ... Credit repair companies promise, for a fee, to clean up your credit report so you can get a car loan, a mortgage, or even a job. But can they ...

Do Credit Repair Services Really Work? | Simple. Thrifty. Living.

Oct 28, 2013 ... You've seen the ads claiming to be able to fix your bad credit, but do credit repair products really work? Honestly, many of the companies are a ...

Credit Repair: How to Help Yourself | Consumer Information

You get fliers in the mail, email messages, and maybe even calls offering credit repair services. They all make the same claims: “Credit problems? No problem!”.

Can Credit Repair Companies Really Improve My Credit Report ...

Under the federal Credit Repair Organizations Act, credit repair companies need to provide a detailed written contract about the services they'll perform, include ...

Credit Repair Service at Experian.com

There is nothing that credit repair services can legally do for you, including removing inaccurate credit information, that you can't do for yourself for free.

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Credit Repair Services Review 2014 | Best Bad Credit Repair ...

Looking for the best credit repair service? We have easy-to-read, expert unbiased reviews and feature comparisons of the best and cheapest service.

Don't Use a Credit Repair Clinic | Nolo.com

If you want to clean up your credit file, steer clear of credit repair clinics. These companies claim they can fix your credit, qualify you for a loan, or get you a credit  ...

Speedy Credit Repair Inc - Huntington Beach, CA | Yelp

32 Reviews of Speedy Credit Repair Inc "I could not be more pleased with my ... With all the different credit repair agencies and programs out there, it was hard ...

Best Credit Repair Companies - Top ten credit repair companies that ...

Oct 11, 2014 ... See our list of the best credit repair companies. If you need credit report repair, our reviews of top ten credit report repair services will prove a ...

The Consumer Credit Repair Agency | Raise Your Credit Score

The Consumer Credit Repair Agency is a simple yet effective credit repair service that actually helps make a difference in peoples lives. We offer a free ...

Credit Repair Services 2014 - Reviewed and Ranked

Credit Repair Services: TopConsumerReviews.com reviews and ranks the best Credit Repair Services available today.

Credit Repair - FDIC

How to Choose and Use a Credit Card · Establishing Credit · Your Rights and the Law · Identity Theft. Credit Repair. Credit Reporting Agencies · Consumer ...

A Guide to Credit Repair Agencies


A low credit score is a common problem for many individuals whose lives are made difficult by financial complications. For individuals that are suffering from debt or possess a low credit score, the services of a credit repair agency can be an extremely attractive option. However, there are a number of agencies that prey upon these individuals, disguising scams as services. Before engaging the services of a credit repair agency, customers should make sure they distinguish between reputable and fraudulent companies. For more information, the Federal Trade Commission provides resources to help individuals protect themselves from fraud, scams, and unfair business practices.

Signs of a Fraudulent Credit Agency

Credit repair agencies constantly advertise their services to financially troubled individuals, with offers of cleaning up and increasing credit scores. However, there are several telltale signs that indicate that the credit repair agency engages in unfair business practices.

One major indicator of a fraudulent credit repair agency is to examine whether the company offers promises that are too good to be true. Keep an eye out for guarantees such as “creating a new credit identity” and “increasing a score by 100 points”.  Another promise that agencies may make is to completely remove negative marks, such as bankruptcies, bad loans, or liens. However, customers should keep in mind that no agency or individual can legally remove negative information from a credit file.

Another important tip for customers is to avoid paying for a service until they receive a written agreement or contract of services provided. An indicator of a bad agency is if the agency requires an upfront payment or refuses to agree on a contract. A fraudulent credit repair agency may take hundreds to thousands of dollars from the customer, while have no impact, or even a negative effect on their credit score.

Tips for Choosing a Credit Repair Agency

Amongst the number of fraudulent credit repair agencies are a few gems that provide a reliable service to their customers. When looking for a credit repair agency, keep an eye out on the following tips:

Fair Business Practices:
In general, customers should look for an agency that engages in fair business practices. Ask the credit repair agency for a detailed report of their services and what the customer can do for free. If the agency refuses to inform the customer of his or her rights, it’s time to go look for another agency.

Experience:
One indicator of a reputable credit repair agency is their amount of experience. If an agency has been in the business for a long time and possesses a large client base, this may show that the company is established and trustworthy.

Reputation:
Oftentimes, the best way to find out whether a credit repair agency is credible is to conduct some research. Customers can run an Internet search on an agency to gain insight and perspective into the reliability of the company. Another way to find a reputable credit repair agency is to ask colleagues and family members who have partaken in the services of a credit repair agency.

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