What Questions Should You Ask a Credit Repair Company?
Today, we’ll look at 4 questions you should ask a credit repair company. Before you sign any sort of agreement, get to know their specific restoration services. You are unique. So is your credit. You’ll need to be certain that a credit repair company is uniquely qualified to help you get your buying power back.
4 Questions to Ask a Credit Repair Company
What Qualifications Do You Have?
Read credit repair company reviews. Don’t simply rely on what companies reveal about themselves. They can communicate anything to reel you in. What are past clients saying about the credit restoration programs? Are they registered and bonded? And don’t forget to look for experience. How long has a company been around, and who are they hiring to do the work?
Will you be working with a credit analyst, investigative research team, and attorney to get the best results possible? White, Jacobs & Associates will answer yes to that question. But there are many popular paths like Sky Blue Credit and Lexington Law who won’t. And they’ll try to convince you that you don’t need all that. But you do.
2. Disputes Only or Actual Audits?
Most credit repair companies are strictly dispute-based. Some will tell you that they work with a network of attorneys on a need-to basis. Very few do it the right way. Disputes aren’t effective the way they used to be. They’re auto-generated, and bureaus understand when your generic documentation is coming from these basic credit repair companies. You won’t get the results you’re after.
If the company works with an in-house attorney, you’ll know you’re on the right path. This means they’re aggressive with actual audits. They’re not doing things the old way. Click here to learn more about our 4 rounds of audits at White, Jacobs & Associates.
3. How Long Will It Take?
In your research, you’ll likely hear some credit repair companies giving you vague timelines. Some might say, “Well, it depends. We’ll just have to wait and see.” This is unacceptable. The purchases you’re wanting to make (home, auto, etc.) are time-sensitive. Real credit professionals understand that.
If a company can’t offer you a definitive time frame, then know that it’s a scam. They want 100 bucks every month indefinitely. There will be no urgency to help you meet your financial goals and gain freedom. You’ll be part of a dishonest business’s lifeblood.
There’s no reason the process should drag out longer than 6 months. But every year, desperate people sign on to “programs” that ping their bank accounts for well over a year. At WJA, our clients routinely see results in 30-45 days. They complete the program in 6 months (or less in many cases).
4. Level of Involvement?
Month-to-month programs can go on indefinitely. The reason our process lasts a maximum of 6 months is because we get aggressive from the very beginning. These go much deeper than disputes (as we discussed above). More importantly though, a healthy, worthwhile process involves you – the client! How else will you be able to maintain the good credit score you’ve paid to improve? Programs that offer this one-on-one kind of attention are rare. You know you’re working with a credit repair company that believes in the long term if they’re willing to train you for lasting success.
We’ll Answer All Your Questions at WJA
White, Jacobs & Associates is committed to changing your life through credit. You’ll work with the same credit analyst from start to finish. They’ll coach you as the investigative research team and in-house attorney work to customize letters and complete 4 rounds of audits.
WJA will be honest about the timeline. We’ll only work with you if we deem you a promising candidate for our program. Our aggressive alternative process operates quite differently than traditional credit companies. Reach out today for a no-cost consultation. We’re easy to talk to. And we’re certainly a step in the right direction.