Credit repair is a serious business. You have to be able to trust the company you are working with. The tips to follow will help you understand the reviews, as well as provide you with a way to examine your situation to find the right solution.
Companies that you choose from need to be recognized by the Better Business Bureau and Chamber of Commerce. They must have good standings with both companies. You also want the company you work with to have a certification to help you with debt relief as well as loan certifications should you need a consolidation loan as a debt solution. Furthermore, any company that you are interested in has to be one that you feel comfortable working with. If you like what the review has and what the website says, it is time for you to speak with a representative for free. A consultation about your debts is often free with the top companies in the market. In fact you are charged only after your debts have been resolved to your satisfaction and not before. This helps you keep your money on hand and protected, so that when a negotiation for a settlement or loan is made you can then pay the funds to the creditors and pay a commission to the debt negotiator that helped you resolve all of your debts at once.
Companies that make it on the list are those that target all creditors at once rather than working one at a time, so that you save money on your credit repair solution. Repairing your credit is often about getting the debts paid off first before you target your credit history and credit scores. After the debts are gone you can start the process of getting the bad reports taken off. Usually you can have them removed after three or four years and it takes 7 years for a bankruptcy to fall off your credit history. Other options like prepaid credit cards can also help you repair your credit score.