Credit repair is the process of fixing poor and subprime credit scores so they can become acceptable, good, or excellent (super prime). A credit repair service helps a person who has poor credit by using their expertise to communicate with the credit bureaus, coach good credit habits, and provide industry insider services that will help to raise a credit score. Many times a credit repair service can get results fast, so when you find you need to fix your credit score within a short time frame because you suddenly need a new car, or got denied for a new apartment you have options that can help you quickly.
Expertise
Understanding how a credit score is determined is complicated. If it were easy more people would have good credit. There are so many myths passed on by parents, teachers, and friends that the average person might think they understand credit but still have it wrong, leading to a poor score and financial troubles.
A credit repair service does one thing all day: work on fixing credit. That experience translates into measurable results for their customers. It can take a lot of time to learn everything you need to know to be successful at fixing your credit and carrying it out on your own. It is helpful to know that if you do not have the time to tackle fixing your credit on your own that there are experts who can help you.
A credit repair service will communicate with the three big credit bureaus: Experian, Equifax, and TransUnion on your behalf. The goal is to challenge and remove any out-of-date, incorrect, or erroneous information on your credit reports. Some of the information that a credit repair service can challenge includes:
A credit repair service can challenge other information as needed with a credit repair service as your advocate. You can even challenge student loans if they are in a charge-off or collection status and closed.
Not only do credit repair services help with removing old information from your credit account, but they also teach you how to build good credit habits, so you don’t need their services again in the future. The insight that a credit repair service gains from working with you to fix past mistakes give them the unique ability to help you learn a better way of doing things moving forward.
Credit repairs services can also help you boost credit through offering services that boost a credit score such as adding authorized aged tradelines or buying aged corps. These services can add length to your credit history and improve your debt to income ratio. Because individuals have such different credit repair needs, you should take the time to gather all of your credit reports before scheduling a consultation with a Dallas credit repair service.
Credit repair services usually offer different packages and payment plans to help their clients pick services that are tailored to meet their individual needs. If you have poor credit and need credit repair services in Dallas, or anywhere in the United States, contact Credit Diva. Credit Diva of Dallas has an experienced team ready to help you achieve a great credit score. Not sure what to look for in a credit repair service? Download our free guide to finding the best credit repair service in Dallas.