Choosing The Right Credit Repair Company

Credit Repair is taking a big step forward in improving your financial future. So, choosing the RIGHT credit repair company to offer credit repair services becomes a large part of the equation for great results.

With thousands of credit repair companies out there, it can become a daunting task to find the one that will be the best for you, the customer. Thus, MSI Credit Solutions has provided a number of pearls of wisdom to allow you to make the best choice in finding that company – our credit repair company – MSI Credit Solutions.

Here are some points to consider when choosing a credit repair company. Click on a topic below to read more.

• Do NOT pay upfront costs unless...

Many states require non-law firm credit repair organizations to place a bond with the state as a guarantee that they will comply with local laws, regarding credit repair. When asking for a company’s credentials, make certain that the company you choose is bonded. According to the Texas Finance Code, “a credit services organization or a representative of the organization may charge or receive from a consumer valuable consideration before completely performing all the services the organization has agreed to perform for the consumer only if the organization has obtained a surety bond for each of its locations.” This law was put in effect for your protection and you should know your rights! View Texas Finance Code

• Do Not Get Caught Up In A Credit Scam

Do not follow the advice of a company that offers to help you get a new credit identity. If the company tells you to apply for an Employer Identification Number, which has the same number of digits as a Social Security number, and instructs you to apply for credit using this, it is illegal. This practice is known as file segregation, and is considered a federal and state felony. If you follow illegal advice and commit fraud, you may be subject to prosecution.

• Ask What The Company CAN DO FOR YOU…

Find out the extent of the services the company provides. Many credit restoration companies will only dispute at the bureau level – few and far between will dispute to the creditors and collection agencies as well! Read more about our credit repair company

• Get The Credit Repair Company Track Record

Ask to see testimonials from customers who have been rendered services and completed the program. Some companies may even allow you to contact the client directly to find out about their experience! Reaching out to other consumers who have been involved in the process that you are about to endeavor, allows you to hear first hand, about their success!

In addition to reading testimonials, request to see proven results, and samples of the companies deletions. Knowing that the company can not only render the services, but also offer results is what you need to see for yourself. View Sample Results

• You Have The Right To Expect Results

In addition to the services the company offers, find out if the company offers any specific guarantees of results.

Ask about the duration of the program, and if it is required to stay in the entire time, or if you can exit upon satisfaction at an earlier date. Be cautious of companies that require you to be enrolled for a set amount of time, because you should not be restrained by additional financial obligations (i.e. monthly payments) if you have already achieved your desired results earlier than expected. View our credit repair duration average

• You Get What You Pay For

When a company provides a price, prior to reviewing your comprehensive credit report, or a fixed price, please be advised that this is a red flag! Each individual's personal credit information is unique, and without having a meticulous understanding about your personal information, the company is making an uneducated guess when offering a price. Also, beware that there are companies that may charge a smaller monthly fee, but require you to stay in the program for a longer duration, thus stretching the prices out.

• Know Your Rights As The Consumer

A company should inform you of your legal rights as a consumer. In 1996, the Credit Repair Organizations Act (CROA) was signed into law to protect the public from unfair or deceptive advertising and business practices by credit repair organizations. By law, credit repair organizations must give you a copy of the "Consumer Credit File Rights Under State and Federal Law" before you sign a contract. In addition, the company should also provide you with a written Notice of Cancellation that explains your three-day waiting period. Read these documents before you sign anything!

• Know What You Are Signing Up For

A company cannot perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you have the right to cancel the contract without paying any fees. After this time period, however, services may begin, and it is your responsibility to know the company's cancellation policy. The written contract must specify the following information:

> The payment terms for services, including the total cost.
> A detailed description of the services to be completed.
> A time period of how long it will take to achieve the results.
> Any specific guarantees the company offers.
> The company’s logistical information such as: name and business address.
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Choosing The Right Credit Repair Company