Your credit score isn’t something you tend to give too much thought to – that is, until you need to borrow money, rent an apartment, or sign a car lease wherein it may require a credit check.
Suddenly, the fact that you may have missed a bill here and there, fallen behind on payments, and not worried too much about your credit score, will come back to haunt you.
For many people, bad credit can be scary, especially if you’ve never experienced it before. Having bad credit can negatively affect you in all kinds of ways, not just right now, but also in the future. The good news is that this doesn’t have to be a permanent situation, as there are ways you can go about fixing your credit. One of the most effective methods is to work with a credit repair company that understands exactly what steps you will need to take, and how to improve your rating as smoothly and quickly as possible.
So, if you’re looking for a credit repair company in New York and aren’t even sure what you should be looking for, let this act as your guidebook. Here we’ll outline all the most important steps in finding the perfect credit repair company in New York.
Look for a Company with Experience
The first thing to look out for is a company that has credit repair experience. Fixing your credit is a serious matter and not something you want to make mistakes with. This means you need a company that has a proven track record of helping clients, and one that can show real results.
Does the Company Offer a Guarantee?
Besides experience, it’s also wise to ask if the company offers a guarantee on their services. Ideally, it should be a money back guarantee should they not be able to follow through no their promise or guarantee. In other words, they are unable to fix your credit score.
Does the Company Offer a Free Consultation or Evaluation?
It’s also important to look for a company that approaches each case or client on an individual basis. What works for one person may not be the best solution for you. Ask the company in advance if they offer any type of free consultation or evaluation. This gives you a chance to get an idea of the approach they would take, and you can then make a decision if it matches with your needs and wants.
How Long Will it Take to Fix Your Credit?
Any reputable credit repair company should be able to look at your current credit rating, your personal situation, and then give you a rough estimate on how long the process should take. Will it be weeks, months, a year? It’s important to get a realistic idea of what you can expect going forward. Some companies will even offer real-time status updates, which can give you peace of mind knowing that they are working to remedy your credit rating.
Ask What is Needed Of You
While the credit repair company will be doing all the hard work, you will still have a role to play. Make sure to ask what will be expected and needed of you in order for the process to move along smoothly.
What Is the Customer Support Like?
Because you aren’t an expert yourself when it comes to credit repair, there is no doubt you’ll have questions here and there. It’s important to research what the level of customer support is should you have concerns, issues, or questions that you need assistance with.
Inquire Into Various Plans
Here’s a tip you may not think of right away, but it may be helpful. Sometimes it’s not a matter of a credit rating for a single person, rather you need assistance as part of a couple. You can find a robust Couples Plan at Pyramid, a reputable credit repair company. The Couples Plan is actually Pyramid’s most popular plan and boasts a personalized service for two people and specific finance tools for couples, among other features and benefits. It’s a great way to take action as a couple and get some really positive results.
What Will the Company Need from You?
In order to do their job, the credit repair company will need documentation from you, so make sure you are given a list of all the essential items you need to gather. Without all the necessary documents they may not be able to successfully repair your credit score. This is why it’s so important to be keeping careful records at home.
When you do gather all the material for the company, they should also never ask you to lie. Even if it’s not a bold-faced lie, a misleading statement shouldn’t be used either.
Do You Have to Sign a Contract?
While some companies may try to rope you into a contract, there is no reason you have to go with them. Instead, look for a company that doesn’t have contracts or commitments so that you can feel free to leave if you’re not happy.
Asking for Full Payment Up-Front
Another red flag can be a company that asks for full payment up-front. As experts state, these are companies you want to steer far away from.
Read Online Reviews from Other Clients
Finally, you want to take a look at online reviews about any company you are considering using. Although online reviews need to be taken with a grain of salt, they can offer some helpful insight and help to ensure you make an informed decision.
Besides online reviews, you can speak to family and friends who may have worked with a credit repair company in the past and get their insight on the experience they had – both good and bad.
Finding the Company That Will Help You
While it may seem like a lot of things to be mindful of as you look to hire a credit repair company, the fact is that you want your credit score to be repaired quickly and properly, so choosing the right company is key.