What should I be aware of when dealing with a credit repair service?

When dealing with a credit repair service in California, there are some important points to be aware of. First, be sure the company is licensed and registered with the state. Ask for references and research the company online. Check for reviews, complaints, and even Better Business Bureau ratings. Second, ensure there isn’t an upfront fee for services. California’s credit repair law prohibits credit repair companies from charging a fee before services are rendered. This means you shouldn’t pay anything until the credit repair service has done something for you. Third, be sure to get a full explanation of the services the credit repair service will offer. Companies should provide you with an agreement of the services and an estimated timeline for completion. You should also be given copies of any documents that you sign. Finally, ask the credit repair service if they offer a dispute resolution process. This means that the company should be willing to work directly with your creditors to help resolve any outstanding issues. It’s important to ask how long the process is expected to take and what results are expected. By being aware of these important points, you can make sure you receive the services you need and are protected under California’s credit repair law.

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What should I be aware of when dealing with a credit repair service?

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