What To Look For In A Credit Repair Specialist

With the new year just around the bend, there’s no better time to start tending to your credit profile. There are a lot of companies out there claiming they can raise your credit score. However, there are a few things to consider before reaching out to just any credit repair specialist.

What Are Some Benefits Of Hiring A Credit Repair Specialist?

Hiring a specialist to repair your credit can be a life-changing experience. This is especially true if you’ve had some financial troubles that may have negatively affected your credit report in the past. Negative remarks may include any of the following:

  • collection accounts
  • judgments
  • identity theft
  • late payments
  • high balances and maxed out accounts
  • tax liens
  • student loans
  • charge-offs
  • mortgages

Cleaning up your credit can leave you with a clean slate. This will save you money, lower your interest rates and improve your acceptance rates for future credit.

What To Look For When Investigating

Not all credit repair is created equal. With some companies, you will begin to see your score climb the charts within a couple of months. Often, this improvement continues. However, some consumers don’t have such good luck. That’s why it’s nice to know what to look for before delving in.

1. Don’t Just Wait And See What Happens.

Almost anyone who is seeking credit repair would prefer to see results fast. Legit agencies are able to provide you with a time frame for seeing results, based on the tier of the plan you choose. The time lapse should also depend on the level of damage your credit may have incurred. Results can be seen within a few weeks to a year. If you must wait and see, then it’s better to choose another agency.

2. They Should Be Prepared To Work With An Attorney If Necessary.

Credit repair can usually be completed without the help of an attorney. However, that’s not to say the agency shouldn’t know when to use one. For example, there are many cases in which creditors, collection agencies and even credit bureaus break the law. It may be in the form of wrongfully attaining personal information, breach of contract or something else.
In such cases, an attorney should become involved, and it can make things much smoother, as opposed to dealing with legal issues on your own.

3. Seek References And Testimonials.

It’s true that each consumer experience is unique. Therefore, reviews are bound to be varied. However, when reading online reviews, there may be red flags you shouldn’t ignore. For instance, if you notice reviews from customers who waited a long time only to have little or no results, feel free to ask the specialist to explain. You can also ask for real references who have used the company’s services.
If the company hasn’t responded to others or is unable to provide you with logical explanations, then keep searching.

4. There Should Be A Custom Process.

No two customers have the same credit profile. Therefore, the repair process should not be one-size-fits-all. If the agency isn’t able to provide you with a strategic plan for you, then chances are it’s not an effective company.

5. Weed Out Companies Who Have A Delay Incentive.

You’ll notice that many credit repair providers require a monthly plan. This locks you in for the long-term and doesn’t insure results in a minimal amount of time. It’s best to work with a company with fixed price plans. This means they offer you one price that isn’t subject to increase during the process. It also means there’s no lingering, and you pay exactly what was projected.

6. Ask About A Money Back Guarantee.

It’s not common to find a company offering this type of guarantee. However, you should seek one who does if quality is your goal. If you haven’t achieved the projected results within the allotted time frame, they should be willing to work with you. This should involve issuing a refund or working with you further to achieve results.

7. Question Companies Who Offer A Definite Score.

You’ll run across aggressive and optimistic salesmen who may offer you a definite credit score. Consumers should know that it is illegal to state a specific score. Choose a company that will offer you a score range instead.

8. Ask About Your Involvement.

If a specialist claims to be able to achieve your credit repair goals without you, then there’s a need for concern. You are required to respond to requests and give consent throughout the process.

Searching for the right credit repair specialist can be a daunting process. Using the above tips, you can rest assured that you’ll find a company that’s reputable and effective.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

How Does Credit Repair Work

how does credit repair work

There are many things that can have a negative impact on your credit score. Over time it is possible to see this score decline as a result of one or more of these things. Many people are not aware of what their score actually is which an important first step in the repair process is. Having your score ran by one of the top providers will help you to understand what your status is. This is also a good way to put together a repair plan. Consumers often ask how does credit repair work because this is a complex issue.

Consulting experts in the field is usually the best approach to getting this information. These are companies, such as Go Clean Credit that specialize in the restoration of credit scores. They can educate you about the meaning of your score and its implications. Along with this information, these are professionals who will develop a plan to repair the credit. These services also focus on instructing clients about better ways to deal with their credit over the long-term.

Top Things that Hurt Credit Scores

According to Money Crashers, the different things that hurt credit scores result in not only a lower number. This is a reason why finding experts to assist you with repairing credit is critical. Learning the process of how does credit repair work is necessary to see these numbers increase. In most instances, this will take time, research, and consistency in managing existing debt. Let’s take a look at some of the top things that hurt credit scores:

* Late or Missed Payments

* Unemployment Status

* Property Liens

* Inaccurate Credit Information

Steps to Repair Credit Scores

There are credit repair companies in virtually every state in the country. These are experts in most instances when it comes to investigating and evaluating credit reports. There are times when you are unfamiliar with entries on your report. Most companies that perform repair services will run reports from all of the major credit bureaus. There are opportunities to remove negative entries as it relates to old and existing debts. The status of the report will impact the length of time a restoration takes.

Preventing Future Damage

Working with the right credit repair company should benefit you for the future. The ultimate goal is to do more than remove negative entries. It involves preventing future damage to these scores. These specialists will show you how to adopt habits that will consistently maintain good credit. This involves paying debts on time, reducing the amount of credit you apply for. Both of these can result in reduced scores for consumers. The education component to these services is extremely important.

Adopting Better Habits

Go Clean Credit assists their clients with setting goals for the future. These focus on short-term and long-term objectives. The ability to adopt better spending and credit habits is essential to these accomplishments. This restoration company helps by customizing a Game Plan that establishes ways to constantly build good credit. Their 10+ years of experience in this field works to benefit clients with an array of goals and with purchasing needs. Positive results build your overall creditworthiness.

Reviewing Your Credit Score

Studies have shown that the best recommendation is to review your credit score annually. This does more than show you what the score is. It allows you to determine if there are inaccuracies on the report. Experts say that 79% of the time, these errors exists on these reports. These can only be addressed and removed when consumers know they are there. Collaborating with repair professionals is the best way to respond to these errors effectively.

They will work to represent you in a variety of ways. In some cases, this requires going after creditors for reporting errors. There are also times when legal documentation is necessary to repair credit scores. Each client’s situation will be different and may require different strategies. The time required to do this restoration work is crucial and complex. Investing in these services will help you to maintain your credit by applying better education and practices for your future.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.