Where To Start With Credit Repair?

Cleaning up a credit report can be time consuming. Of course you never find out about things on there until you are ready to get approved on financing for something. It always happens when you least expect it. It is not a lot of fun when you are sitting across the table from the finance person either. When your credit is pulled it is usually done from the top three reporting companies. Now you need to get to work to see what one of these companies can help you fix your credit.

The first phone call should be to the credit bureau itself. Equifax is the biggest and most popular. There is a strong chance that if anything is showing it is with them. You will need to purchase a credit report from them. From there you will start going over the accounts in question. Your discrepancy might only be showing up with Equifax and it might be the only place you go.

The next place to try would be at My Fico. They created the fico score and work with all three reporting companies. When you decide to go with them you might have to pay a little bit more to do so as they are going to contact all of the accounts outstanding on your report and do the work for you. My Fico will get all the info needed for you to call your creditors and start closing out accounts. After you pay the bill, My Fico will forward the info to Equifax, Experian, and Trans Union on your behalf.

If you want to not only get your credit report cleaned up but have your accounts in question reduced to a lower balance or zeroed out completely then you should call Lexington Law. This is a law firm who specializes in helping people clean up their credit reports and also negotiate lower balances for their clients. The fees involved with working with them are higher than your other options but you might pay less in the long run with your debts. After the balances are cleared they will inform the credit bureaus of the closed accounts and your credit report will reflect the changes.

If you plan on cleaning up your credit report then take the time to start with the three companies above. They are all very good at what they do. The deeper down the list you go the more it will cost you to work with them. In the long run it will be worth it to repair your credit because you will not have to pay higher rates on things you buy and now can get approved.