How To Get The Best Credit Repair Service In Arizona

There are many credit repair companies in Arizona, some legit and many are fly by night.  How can you best protect yourself when selecting a credit repair company in Arizona? Here are our best tips for selecting a credit repair company if you live in the Grand Canyon State.

Work With a Credit Repair Law Firm Or Company That Has Been In Existence For Years  

Legitimacy of an organization can usually be determined by how long they have been in existence.  You can check with the Arizona Corporation Commission to see how long the company that you are proposing to work with has been in business. 

When You Find A Credit Repair Company, Be Sure To See If They Have a Staff  

Nothing is more frustrating than calling an office and having to leave a message every time because the one person in the office is either out or on the other line.

Pay For Your Credit Repair On a Monthly Basis & Not On a Pay Per Delete Basis  

In our industry, there are two ways to pay for credit repair. One way is to pay a flat monthly fee to get improperly, or unsubstantiated items removed from your report.  The other way, which I don’t recommend, is to pay when an item is in fact removed.  The problem with this is that when an item is removed and then subsequently placed back on your credit reports (which can and does happen), you will be charged for the removal in the first instance.  It’s just not a wise use of your money.

Make Sure That Your Credit Repair Law Firm Has a Client Portal  

This way, you can log onto their system and see how your file is doing 24×7.  

Check Out Their Reviews

Need I say more???

Ask About Their Monthly Payment Program  

Many credit repair companies that have a monthly payment program, have no set length on how long you can stay in their program for.  You stay in for as long as you want.  This does not make a lot of sense to me.  Within 3-4 months, you will know what is and what is not coming off of your report.  To keep you in their program longer than this is only a waste of your money.

Be Sure That The Credit Repair Company Is Compliant With The Law  

The Credit Repair Organization Act (“CROA”) is a federal statute that regulates credit repair companies.  Some of the provisions of this act require the company to:

  • Give a written agreement and signed agreement;
  • Give you the right to terminate the agreement within 3 days of signing;
  • Give you a disclosure that requires them to inform you that you can dispute negative information on your credit report, yourself.
  • Most importantly, the credit repair company cannot charge you any fees in advance of doing the work.  Not so much as a dime.  If the company that you propose to work with asks you for any money, up front, do not do business with it because chances are, it’s a scam.

Be Sure That The Company You Select Will Do More For You That Just Write Letters  

There are many credit repair companies out there, and some will only write letters.  The better ones will advise you on how you can improve your credit score.  

A Real Credit Repair Law Firm Will Sue The Credit Bureaus, Lenders & Debt Collectors To Remove Incorrect Reporting Items From Your Credit Report  

The best ones, in our opinion, will go even further and sue the credit bureaus at no out of pocket charge to you, to get incorrect items removed from your credit reports.  This is who we are and what we do.

Conclusion

Credit reports can get damaged for many reasons including identity theft, creditor error and even credit bureau mistakes.  There are many credit repair companies that are only too happy to take your money without providing you counseling or giving you an idea of how you can improve your credit score.  

About Arizona Credit Lawyers,  We are a Michigan based law firm that focuses on consumer rights law.  We help people who have errors and mistakes on their credit reports and not coincidentally, have a monthly payment program in AZ to fix credit reports.  If you have issues on your credit reports or need some free advice about how to clean them up, call us at  480-771-6001.  You can also email us at info@azcreditlawyers.com.  Visit us at Arizona Credit Lawyers for more information.

 

 

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Arizona Credit Lawyers

3260 N. Hayden Road,
Suite 210-305
Scottsdale, AZ 85251

Phone: 480-771-6001
Email: info@azcreditlawyers.com
Website: azcreditlawyers.com