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Why You Should Use a Credit Restoration Agency

Credit Restoration Agency

If you have been turned down for loans or credit cards due to poor credit history, you may have found yourself trying to figure out how to restore your credit by yourself. The road to credit restoration can be complicated and confusing, however, if you don’t know where to start. By using a credit restoration agency like Whatcom Credit Restoration, you can take advantage of their expertise in dealing with creditors and collecting the money that you are owed faster than you would be able to on your own.

Credit Agencies Are Different

It’s crucial to note that credit agencies aren’t necessarily all created equal. Some agencies can help repair your credit score while others might not be worth your time and money. Learn how to determine which agency will work best for you and what you can expect along the way. The right credit restoration agency can help put your financial future back on track, but choose wisely!
Different types of companies offer different levels of service based on their reputation and experience. Smaller agencies may provide only limited services or local assistance as they grow their business, while larger firms may be able to assist across state lines if necessary. Determine what features are most important for your needs before investing in an agency with more extensive resources, just so you know exactly what you’re getting into from day one.
The difference between good and bad credit: While some companies claim to repair any type of credit score, it’s important to note that not all scores are created equal. There’s a big difference between good and bad credit scores—and it’s not always clear which is which until you’ve been declined for financing at least once.

They Don’t All Do The Same Thing

Credit restoration agencies can go by many names—credit repair agencies, credit reporting agencies, and credit bureaus are all common terms that may be used to describe similar services. But there are several important differences between them. The biggest difference is that credit reporting agencies must report accurate information, whereas credit repair companies have no such duty and can make whatever claims they like as long as they don’t do anything illegal. In other words, if you pay for a service from a credit reporting agency and it doesn’t work, you can dispute your inaccurate information with that agency; if you pay for a service from a credit repair company and it doesn’t work, you have no recourse.

They Can Be Used In Place Of Bankruptcy

If you’re severely in debt and are looking for relief, you may wonder if filing for bankruptcy is your only option. While it certainly is an option, other alternatives are more cost-effective and could get you out of debt faster than filing for bankruptcy will. A credit restoration agency might be your best bet—and it just might be better than traditional bankruptcy.
Here’s why: Traditional bankruptcy takes years to complete; while most creditors can’t contact you during those years, they still expect payment once your case is over. With a credit restoration agency, however, you pay off your debts gradually (over anywhere from six months to three years) and keep building up good credit until you do so.

Contact Information For Credit Agencies

If you’re dealing with credit card debt, medical bills, overdue student loans, or other debts that you can’t pay off on your own, some companies can help. These agencies work to dispute errors on your credit report and get them removed. Some are paid by creditors directly; others have payment plans to spread out your payments over time. It’s important to find an agency that is reputable and won’t charge any upfront fees.

How Much Does It Cost?

Nothing upfront! Some credit restoration agencies charge you when they make changes to your report, but others will charge you only if and when you get approved for a loan. In either case, there’s no fee to get started. Any reputable company will provide you with a detailed estimate of costs before they begin working on your credit, so there are no surprises when it comes time to pay.

What Should I Expect?

The first step is usually to gather information about your current situation—how much debt you have, how long ago you filed bankruptcy or had collections reported on your credit report, etc.—and then create a plan based on that information.

What Results Can I Expect?

Our credit restoration agency guarantees an increase in your credit score of up to 100 points within 6 months. The exact amount depends on your starting score, but most clients see an increase of at least 50-70 points. So you’ll be able to qualify for better interest rates and will save money on your monthly expenses (think: lower car insurance and mortgage payments). Best of all, we guarantee that you’ll see these results within 6 months or you don’t pay! So what are you waiting for? Call us today to get started!

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