Correcting bad credit can be compared to losing weight. It takes time, patience and is not always easy.
*Step 1: Obtaining an accurate credit report: Where can I find an actual credit score?
You may pull a credit report online, however be aware that the data will probably be correct but the score will not be accurate.
Which Credit Score is Accurate?
The only accurate credit score is usually pulled by a mortgage company or a bank. You may ask for a copy of your credit report from the bank or mortgage company at the time of a purchase, some will give it you to you others will not.
*Step 2: Verify accurate and in accurate information on the credit report
Go through your report and make sure all addresses and names are correct, make sure that all accounts reported belong to you. If there are unfamiliar accounts on the report you may be a victim of identity theft.
What if my Father has the Same Name, and His Credit Appears on my Report?
Many people with similar or identical names as other family members may experience cases of mixed identity for example Bob Smith Senior may have accounts on his credit report that do not belong to him however he notices the account belongs to his son, Bob Smith Junior.
*Step 3: Choosing the BEST credit repair company in Houston:
*Find a local company, make sure they have an office with normal office hours.
Do I Trust A Home-Run Business?
Somebody who is doing business out of their home may not have stability. You want to be able to walk into an office and meet with the representative if you have a question.
Use a credit repair company who has many years in the credit business, look online for reviews on the company you choose. If there are bad reviews or complaints against the company that you are not comfortable with, ask the company to elaborate upon the situation. Make your determination based on how you feel about the company’s response
Although bargain shopping is great, you do not want to choose the best credit repair company in Houston based on the cheapest price. In this instance if you go for a discounted price you may not get results is simply a waste of time and money. Most of the best credit repair companies in Houston will offer an affordable payment plan.
Make sure the credit repair company of your choice has a system to update you on your progress. Many clients seeking the best credit repair in Houston pay money and are not updated on their progress in a timely manner.
**Building Good Trade Lines
Credit repair is only 1 of 3 parts to having good credit. You must establish good trade lines in order to build the best credit score. Make sure your credit repair company of choice has this included in the price of services.
The credit repair company of your choice should not have a problem educating you, the goal should be to get your credit score up and give you the knowledge to maintain an elite credit score. A truly Impeccable Credit Repair company in Houston does not want you as a return client.