Are you looking for the Best Credit Repair Agency in Houston, TX? There are credit repair organizations, or CROs, that repair your credit score. Some people are skeptical about these CROs, but the simple fact is that consumer credit repair does work. There are a few CROs that spoil the name of the industry by promising more than they can offer. If you get a consumer credit repair agency that abides by the rules and regulations detailed by the 1996 Credit Repair Organizations Act or CROA, you will be sure that the repair will work. You will get what is referred to as "Consumer Credit File Rights under State and Federal Law" before signing a contract, and you will get a written agreement spelling out what you are obliged to do and your rights. If you read this document carefully, you will be sure that the agency you go for is credible and reliable.
For your consideration, we present to you:
SmartGuy® Best Credit Repair Agency in Houston, Texas, is:
Davian Frasier, CEO
What is credit repair?
Credit repair works to remove certain negative items from your credit reports.
How does it work?
Credit repair companies work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score. They ensure your credit history is up-to-date, accurate, and honestly reflects your finances. The company will write to creditors with copies of documents that support the fact that you have disputed certain items in your credit report. If the information in the report is indeed accurate, there is little that can be done, and you should avoid consumer credit repair companies that promise heaven. A good company will, however, give you tips on how you can maneuver around the bad credit score, such as where you can borrow money (like payday loan companies) if you have a bad credit score.
You find out your credit score by going through a credit report. Under the law, you are entitled to get a credit report free of charge should a lender, an employer, an insurance company, or any other company take; adverse action against you, claiming that you have a bad credit score. You will get the credit report within 60 days following the adverse action. If you are searching for a job, you are entitled to one credit report each year. You are also entitled to a free report if you suspect fraud has made your credit score inaccurate (such as identity theft) and if you are on welfare. You apply for the report from one of the three national consumer reporting agencies, namely TransUnion, Experian, and Equifax.
What to Avoid
Avoid consumer credit repair companies that advise you to misrepresent your Social Security number, and that wants to remove accurate negative items or to add false items on your credit report. You should read posts in discussion forums and independent reviews for an overview of credible and reliable credit repair companies. You will be sure you have a credible and reliable credit repair agency if you avoid those that advertise themselves with such claims as "Do you have credit problems? No problem!" and "Come to us to legally create a new credit identity." Avoid companies that have ads on TV and in newspapers, those that advertise on radio and on the Internet, those that send out fliers, and those who spam your inbox since they are likely to be fraudulent and unscrupulous.
More about Davian Frazier and Creditprenuer
Mr. Frazier is the Co-founder/CEO of Creditprenuer and been helping individuals clear their credit records and improve your credit scores since 2015. His goals for his clients to generate High Scores and receive very high approval ratings. Along with Rodrick Davis Co-Owner, they have helped many families reach their desired goals. They put their clients in a position to get a new car or new home, whether it is building their first home or renting an apartment.
Contact Mr. Frazier for information. "You Can't Go Wrong Taking That Step Today."