Credit Repair Counseling & Where To Find It

Credit Repair Counseling & Where To Find It

Millions of Americans are in a money trap. A professional credit repair consultant could help you get your life back in order.

Millions of Americans are in a money trap. A professional credit repair consultant could help you get your life back in order.

Locating a professional credit repair advisor may be what you need to help fix your deteriorating credit rating. You may have some idea about what steps you should pursue in order to repair your credit, but a qualified professional could be your best option to help you sail through the process.

4 Steps To Finding A Credit Repair Advisor

Before you engage the services of a professional, please keep in mind a few things first including the following:

1. Is the credit repair consultant licensed? A good number of states do not require licensing for this type of professional, but if they are a CPA or authorized financial consultant, then they must be state approved. Be careful! Some so-called experts have scant formal training and many not be able to offer the advice you need.

2. How much will you have to pay for services rendered? Even if the professional is employed by a nonprofit organization, that does not mean that you will get helped for free or at a discounted price. Find out about their fee structure first; never sign a contract without confirming what services are offered. Also, talk to several advisors and compare plans – shop around!

3. Take the long view. Certain credit repair consultants will work with your lenders to forgive a portion if not all of your debt. That sounds great, doesn’t it? Well, what will that do for you in the long run? Will your credit be destroyed? Please understand one important thing: loan forgiveness does not necessarily mean you’ll be starting over again fresh. You could be in worse shape if you select a credit repair advisor who shows no interest in preserving your creditworthiness.

4. What is their reputation? Before hiring a credit repair advisor, you should discover what this person’s reputation is among his peers. The Better Business Bureau or local Chamber of Commerce is a good start as are governing authorities who oversee this kind of work. Get references, call these people and ask a lot of questions. You don’t want to have worse problems later on because you weren’t thorough with your due diligence.

Getting Back on the Road

Making use of the services of a credit repair counseling business could prove advantageous to you. With expert assistance you may be able to avoid ongoing problems and start back on the road to recovery. You may be able to handle some of the credit repair work yourself. Find out what your options are and choose the right plan for you.

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See AlsoConsumer Credit Repair Done Right


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Categories: Consumer Tips

About Author

Matthew C. Keegan

Matt Keegan is a freelance writer and editor as well as publisher of "Matt's Musings", his personal blog. Matt covers campus, consumer, business and financial topics on various websites and blogs, and has been published in the "Houston Chronicle", "Sam's Club Magazine" and "Wisconsin Golfer".