The best way to ensure that things are legal, safe and qualitative is to choose a credit repair agencies and agent that belongs to a nationally reputed and recognized regulatory agency, such examples are the BBB (Better Business Bureau) and ECRA (Ethical Credit Repair Alliance). Such regulatory bodies not only ensure high operational standards, but also monitor the member agencies constantly to ensure that they offer quality legal credit repair to their customers.

Another way to ensure that you are making the right choice is to research carefully the reviews and feedback written about the company in question.

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But is it?

No, it’s not. When you do throw in the towel you are sending out a message that you behaved irresponsibly and you lost your money and that of your creditors. The mark of bankruptcy will remain on your credit report for 10 years, and every creditor will consider you a high risk investment. Ten year is a very long time to bear the repercussion of a mistake.

It’s wiser to use the right to declare bankruptcy very cautiously, and only when every other possibility has been checked out. Look for hand loans, government grants, re-negotiation with creditors, second mortgages and so on – in the end you will find it’s well worth the trouble.

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Well, this is easier than you would think. You need to concentrate on the “Three Rs”:

• Reputation – check on the Internet with the name of the credit agency and “scam” added to your search. Look at the results carefully. If you find more than 10 complaints, dump them! That agency is bad news.
• References – ask for references that you can contact. Look for clients with whom you can interact in person. Do not be shy about asking for references. It’s often the easiest way to spot a fraudulent credit repair agency.
• Real value for money – what do they offer you in the name of credit repair? Feel free to compare their services with those of other agencies and bargain for the best deal.

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But not all credit repair companies are thieves! There are lots of honest credit repair companies that provide a badly needed service to consumers.

A poor credit score can dig deeply into your bank account and fritter away  your financial resources because of appallingly high interest rates. At the same time, credit repair is a long drawn out process, which requires close follow-up and often specialized and customized appeals for removing inaccurate negative data from your credit report.

You are undoubtedly aware that there are a great many credit repair companies and credit repair lawyers ready to offer their services, but you don’t know which one to choose. You may have heard too many stories of people being scammed, and for that reason, you are wary.

Here are five factors that will help you reach an intelligent and informed decision:
 
1. Professionalism – is the company you are considering professional? Look at their web site carefully and see whether you are comfortable with what you find there.

* Is the website easily easy to navigate?
* Does it have a FAQs page?
* Do they have a live chat or fast-response email service to answer your queries?
* Is there counseling offered free by the companies?
* Does it make extraordinary claims? (NOT a good sign!)

Check carefully every aspect, and trust both your logic and your gut feelings.

2. Ethical – it is very important that the credit repair companies you choose behaves ethically. Do not be taken in by agencies that claim to be able to remove all your negative accounts, whether they are being accurately reported or not. You should expect to be able to delete only those accounts that are erroneous.

Do not be persuaded to use illegal means to increase your score. You might be inviting more trouble than you could handle. Search the Web for reviews or feedback on the credit repair companies you’re considering. Be on the lookout for any reports of scams. Check whether the company is a member of any reputed organizations such as the ECRA (Ethical Credit Repair Alliance) or the BBB (Better Business Bureau) which will require that they abide by strict codes of conduct.

3. 24/7 monitoring – credit repair goes beyond just “credit repair.” It means monitoring, education, counseling, and awareness among other things. Regular monitoring and immediate intervention when adverse information finds its way into your credit report are more important in maintaining a good credit score that just repairing it. Are the credit repair companies offering you more? Do they offer these supplementary services on their menu?

4. Reasonable – it is true that credit repair companies are in business to generate revenue. But, this should not be to the detriment of their clients. The best business relationships, ones that survive time and changes in technology, are often associated with the offer of value-for-money by companies. You must be satisfied with the price and services offered. Research these aspects well enough to be empowered to negotiate the best fee. Do not be afraid to negotiate.

5. Offer solutions – you need solutions. The best credit repair companies are those who are able to draw you out and learn about your problems in detail, so that they can come up with a customized solution for your personal situation. This is very important due to the fact that no two financial problems will be identical, and what works fine for one individual may not be best for another. Look for a credit repair agency whose goal is offering solutions – “tailor made” solutions for YOU!

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