In a world where credit is everything and the information contained in your credit report is carefully analyzed, many people are seeking ways to repair their credit. In this current era credit repair companies are getting a lot of negative feedback and are being labeled as scams. It is defiantly true that some credit repair companies do seek to scam consumers but isn’t this true with any industry? No matter what the service is there will be people looking to take advantage of consumers to make a quick buck. It is important when making the decision to hire any service to do research on them. A very good website to do this is the Better Business Bureau (www.bbb.org). Here consumers can see how long a business has been around for and various complaints made against them.

Some Key things that will help determine if a company is looking to scam you:

- Companies that guarantee to remove negative information from your credit report and increase your credit score- Nobody can guarantee you they can remove accurate negative tradelines from your credit report.

- Companies that ask you to create an employee ID # for a new credit identity- This is called File Segregation and is illegal and the innocent consumer can be held responsible for committing a felony.

- Companies that charge you fees prior to providing any services- By law a credit repair company cannot charge consumers until they have performed the service

- Companies that do not advise you of your legal rights under the Fair Credit Reporting Act-A company should advise you that anyone can dispute tradelines on their credit report themselves.

The strongest argument against credit repair companies is that they charge you for something you can do yourself. Yes this is true but once again this is true for many other types of services. For instance many people pay to have their lawn mowed or have their house cleaned. Can they do this themselves? Of course! We pay for the convenience and in most cases since these companies provide these services regularly and have built experience, they usually perform the service more effective and efficient than the average person could.

Having an established law firm represent you can achieve you results with better success rates than many other companies. The advantage of sending dispute letters to the credit bureaus with a law firms letterhead is the bureaus tend to take your request more seriously when they receive correspondence from an attorney, This will generally give consumers a faster response time. This is something consumers cannot do themselves unless of course they are in fact an attorney. This is basically why enlisting the services of a law firm proves to be much more beneficial to consumers than doing it themselves or hiring a credit repair company that’s not run by attorneys. There are many reputable credit repair companies out there with good intentions, however only a handful can actually get consumers the same results as a law firm.

If you are serious about improving your credit score and deleting incorrect or unverifiable items on your credit report contact CreditLawGroup today for a free consultation! (800)-508-0041. We provide cost effective legal representation and can help protect your rights and remove inaccurate, outdated, unverifiable, incorrect and other erroneous items from your credit report. Here is the link to our company’s Better Business Bureau record: https://www.bbb.org/online/consumer/cks.aspx?ID=1080131152330410