Guest blogger series
Post by Lori Isaacson
Part Two: When is The Best Time to Hire a Credit Repair Company?
The best time to hire a professional to do credit repair is at that exact moment when you realize you are spending more time and energy trying to repair your credit than you have energy and time available. I want to say first and foremost, everything a credit repair company does a consumer can do for themselves. That said, would you try to fix your own teeth or how about doing your own plumbing or electric work.
I do not perform surgery on myself when I need it. All this may sound silly, but the reality of the situation is your credit profile is one of the most important things you have. It is like your fingerprint. Everyone’s is totally individual. In society as we know it, your credit profile dictates where you live, what you drive and even where you work. Did you know more and more employers are checking credit profiles before making any hiring decisions. How would you like to loose out on a job because of a few mistakes on your credit profile.
It is the responsibility of each and every consumer to know and understand what is on their credit report. By that I mean whether you think you have the greatest credit score there is, is all the personal information correct? Is you address current. I spoke with a client today who had a number of late payments reporting and he told me it was not his fault. He said the Credit Card Company did not forward his mail. I asked him if he sent in a change of address to the CRA’s (Credit Reporting Agencies). Of course he did not think of that.
So when the credit card company could not find him, they sent the statement to the last known address. Has this happened to you? How about when you go into a store and open a credit card to get that very special discount?
Do you make sure your name is spelled correctly? There are so many things that can go wrong with your credit profile if you are not diligent in checking. So whether you have a great or mediocre score, check you profile at least twice a year. Remember it does not matter why something is reporting, just that it is. You can not dispute something you do not know about.
Credit Repair as we know it has gotten more and more difficult for the lay person due to the regulations involved. It would take much time, knowledge and persistence to understand all the laws and regulations. That is where a professional comes in. While there are no secrets to credit repair, there is a lot of information that the consumer either does not have or does not understand.
At Credit Repair Consultants not only do we have the information, we know and understand what it means. Whether you use our Company or another, I ask you to thoroughly check out whichever company you choose. Find out how long they have been in business?
I can not tell you how many times I hear about someone who last week was in a one business and this week is specializing in Credit Repair. Is the company rated with The Better Business Bureau? Please do your homework. As I mentioned your credit profile is one of the most important personal items you have. Do not rely on just anyone. Make a safe and smart decision when it comes to Credit Repair.
Feel free to call or e-mail me with any questions.
Lori Isaacson-Credit Restoration Consultant
