Question by 2ManyQuestions: How can i open my own credit repair company? I am a mortgage loan officer and always send customers who have credit issues to a credit company to plum off their credit. I know people can do this on their own, but many do not have the knowledge and time to do it. I have also cleaned customers credit myself including mine and my wife`s and friends and family members but i have been doing it for free. How do i go about it in opening my own credit repair company? Where do i start?
Best answer:
Answer by MAMA How about starting with big me a free consultation? LOL my credit sucks!
Selecting a credit repair company to help you improve your credit score is a big decision. A typical credit repair service will cost you a few hundred dollars and will take up to a year to complete their service. Choosing the wrong credit repair company can end up wasting money and perhaps more importantly, your time. Choosing the right credit repair company, however, may be one of the best things you can possibly do for your financial future.
What do you need a credit repair company to do for you?
A good place to start when determining which credit repair company is best for you is to figure out what needs to be done to improve your credit. The process of repairing your credit can involve much more than simply disputing your credit with the credit bureaus. You should make sure to use a credit repair company that can fulfill all of your credit needs.
When most people think of credit repair they think of a process that has become known as credit report repair. When working to repair your credit using credit report repair, a credit repair company is using your rights under the Fair Credit Reporting Act to dispute certain items in your credit reports directly with the credit bureaus. This element of credit repair has helped many people with erroneous, incomplete, or unverifiable information on their credit reports improve their credit scores.
While credit report repair is a good start, many people find that it is not enough. Many leading credit repair companies will also work directly with your creditors using a variety of tactics to get them to stop reporting the negative accounts to the credit bureaus. They may also work with collections agencies and others to get them to stop reporting negative accounts or change they way the accounts are reported. A credit repair company may even go so far as to challenge the legitimacy of a reported debt.
Depending on your current credit situation, you may be best served by a credit repair company specializing solely in credit report repair or one that can also provide a full catalog of credit repair services.
How can I tell if a credit repair company should be trusted?
Unfortunately, credit repair is an industry that has received a bad reputation because of the publicity afforded to credit repair scams. While fraudulent credit repair firms tend to be shut down quickly, it is still in your best interest to learn how to identify the differences between a legitimate credit repair service and a credit repair scam.
An easy way to do this is to know a few of the laws that govern credit repair companies. These laws as defined in the Credit Repair Organizations Act were designed to protect you from credit repair scams while also protecting your right to get help with repairing your credit reports.
Another way you can find out about a specific credit repair company is to look up their BBB (Better Business Bureau) reports. The BBB keeps notes on complaints made against companies. If the BBB report for a credit repair company lists multiple unresolved complaints or an overall low rating, you should be wary of the company. In addition, beware of any credit repair company that does not list credit repair services as one of their offerings in their BBB filing. The BBB has very strict standards for credit repair companies so many fraudulent companies will not report to the BBB that they offer credit repair.
www.CreditRepairPublishing.com Credit Repair Companies Can They Improve Credit Score Better Than You? Do you believe an Attorney who can earn a hour will actually work on your credit report for a month? Or, do you think the whole process is automated and boiler plate letters are spit out on their behalf? For a month do you feel they are going to “drag unwrap” the process to make more money? Or, do you feel they just want to assisting the masses by making it affordable? Will they disclose what they are actually doing? Show you the letters they are sending? Will they dispute with more than one bureau at a time per a month? Are they just sending dumb lettering over and over claiming the account is not yours? Or, are they actually doing factual disputes against the items on your assigning report. Are they going to go over each detail of your report and the EXACT errors on each item? Or, are they just going to shotgun dispute everything and anything that is negative on your free credit report? Lexington Law is well known for doing credit doctor and some people swear by them… but others have complaints. Why so many complaints? Complaints on www.scam.com and www.ripoffreport.com ? Some people are happy and others are not. Other credit repair lawyers and law tauten like www.OvationLaw.com and www.CreditAttorney.com use the clout of being a law tauten to done consumers feel more attracted to them. In reality, you don’t require an attorney to furnish you with credit help or legal … Video Rating: 4 / 5
Question by fumiko coston: Credit Repair: Are there any certification programs I can take to learn how to do Credit Repair? I would wish to learn how to do credit repair. Are there any certification programs? Any suggestions would be highly appreciated. Thank you.
Best answer:
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