Are you looking for the Best Credit Repair Houston TX in 2019? Be aware that not all credit repair services are created equal. How do you determine which credit repair companies are the best fit for your business? What services should I be looking for? Here are some key questions: Do you provide credit counseling? Do you assist in finding mistakes on credit reports? Do you charge a fee upfront? Do you have reviews from former clients? Do you work with creditors to get better repayment terms? Are you an accredited credit repair company?
With this goal in mind, and after extensive research, we are pleased to announce our choice.
SmartGuy® 2019 Best Credit Repair in Houston, TX is:
Smart Credit Restoration
2100 West Loop South - Ste 900
Houston TX USA, 77027
Should I Get Credit Repair Counseling?
If you are struggling to pay your monthly bills, making minimum payments on your credit cards and or revolving accounts, don't have an emergency or rainy day fund, credit repair counseling is a great option. Too often people who find themselves in this awkward situation consider filing bankruptcy. Credit counseling is obviously one of the possible options for bankruptcy. Many times, people wonder whether it’s really worth the time and money to go through credit repair counseling.
Credit Repair- Getting Started
There are many different opinions about credit repair. The reality is that if you have bad credit, there are numerous simple solutions. Many times people believe it is difficult to repair bad credit, but there are ways to improve your credit and even completely restore it in a very short time period.
How? Here are four most of the most effective strategies:
1) Credit counseling
Credit counseling agency can give you strategies for better money management and can often negotiate with creditors on your behalf. Often, they can reduce the balance you owe substantially. Accredited agencies are very experienced in the credit industry, and have a much better chance of negotiating better terms for you than if you were to do it yourself.
2) Look for mistakes on your credit report
Scanning your credit report is one very simple and easy method to quickly improve your credit score. Anyone can get a copy of their report for free at least once every 12 months, so there is no cost to you and no penalty to your credit score inquiry.
What if you find errors? Contact the credit bureau and let them know what you have discovered. They will review it. If they verify that indeed there is a mistake, they will correct it and it should be erased from your report. This will instantly improve your credit score. Mistakes can easily happen and are made quite often, so there’s a good chance of this review being effective in improving your credit. They key is, even if they don’t remove something the first time, continue pursuing the mistake. It may take two to three months, but eventually, you can get that erroneous late payment taken off if it really occurred.
3) Pay on time
Start paying on time, this is one of the easiest ways to raise your credit. Many people ignore this obvious corrective step. The idea is, to pay something when the payment is due. What if you can’t pay on time? If debt load is to much, look into get a consolidation loan. This can reduce the amount you owe, and enables you to pay to make timely payments.
4) Build up your savings
Impulse spending is a big problem and often results in people acquiring more debt than they can repay. Instead of spending on things you don’t need, start putting a certain percentage of your money away every month into a savings account. Pay yourself first out of every dollar you receive. One of the reasons people often find themselves burdened with debt is the lack of an emergency fund. Without the fund, when an emergency or unplanned expense happens, the cost is "charged" to a credit card, or the money for a future payment is used - leaving one unable to make a timely payment. This normally begins a "snowball" and late payments start to occur on a regular basis.
How to Choose the Right Credit Repair Company
Here are three ways to help you find the most effective firm:
1) Make sure they are accredited
Ask if the credit repair company has the necessary credentials to deal with your case. They should be part of the NFCC or AICCCA. There are a lot of scammers in this industry who just take your money and are never heard from again. But you know that if a company has gone to the trouble of getting accreditation, they are the real deal.
2) Read online reviews
Reviews are important in any industry, this one is no different. Research online to discover what their current and past customers are saying about them. This is particularly necessary if it’s a firm you’ve never heard of.
3) Look at their upfront charges
The normal practice in this industry is to provide a one-time consultation for free or for a very small amount. If a company is asking for a large initial payment, be wary. They often are scammers, looking to capitalize on your misfortune. Best to avoid them and continue searching for legitimate credit repair service companies.
Beware of Scammers
It can't be said enough. Beware of the scammer. There are many firms that prey on people with bad credit. They claim they are going to help you raise your score, eliminate bad credit history and such. But often times they just take your money and disappear. If they say to dispute everything on your credit report even if it’s right, it’s certain they are not legit.
More about Smart Credit Restoration
It is Smart Credit Restoration's practice to meet personally with you to discuss your specific credit situation. They will work with you to identify exactly the accounts that are holding your credit scores down. You may be surprised by what they uncover. Smart Credit has proven techniques to help increase your credit scores and will help eliminate any guesswork. These professionals will also help show you what you can add to your account that will have a positive effect on your credit score.
You will only have these results from the Best Credit Repair service.