Many services will have credit lawyers on their staff. These lawyers are experts on credit laws and this often explains why a service is so much more effective.
The attorneys have more tactics to use to remove a listing such as; debt validation, escalated dispute information requests, and creditor direct interventions. They will also research court precedents and if necessary go to court.
However some companies are less than trustworthy. While you shop services I suggest you look at what past clients say about the firm and how long the firm has been in business.
A big warning sign is if a company guarantees a result. This is similar to a lawyer telling you that he guarantees a jury will find you innocent. It does not happen.
Instead I suggest looking for refunds or warranties. It is common for people to have their credit report totally cleaned however some individuals must negotiate repayment.
Fraudulent credit repair firms have been taking advantage of unsuspecting individuals for years. There are estimates of $50 million a year that these fraudulent companies earn.
Make sure you do your homework before you start handing money over. Some firms are even listed with the Better Business Bureau.
There are two different ways you can pay for credit repair. You can either be charged for each action the service performs or you can be charged a flat monthly rate. I suggest the flat rate as it will make your dollar go farther.
Often services will be willing to charge you by either method. Expect to pay an account set up fee, averages about $100. Be careful of any company that wants a large upfront payment.
The process of removing negative credit on average takes between 6 - 12 months. The typical client should expect to pay roughly $700 and that is with excellent service.
You can expect to have better results with a service than doing it yourself. This is due to their expertise in credit laws and advanced tactics.
However if you are not in a rush and only have a few negative marks you should repair your credit yourself. This can be done with a dispute letter, which you mail to each credit bureau.
You will have to be patient as bureaus are often accused of using stall tactics to avoid conducting an investigation. However be persistent and you can have the derogatory marks removed.
For more tips on hot to choose the best credit repair service or for a review of lexington law a suggest service or to learn about sample dispute letters visit us.
Article Source: http://EzineArticles.com/?expert=John_W_Cooper
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