If you are searching for ways to get better credit results you will see a number of hawkers trying to sell you credit report repair services. Many of these are open box varieties you should steer clear of and many of the credit repair services being offered as genuine to people are overpriced and undervalued products you can do yourself for a small percentage of the prices being charged.
Let’s look specifically at online services to clean up your credit report.
How do you evaluate what is the best for your situation and what do you look for when considering clean credit software?
Credit repair services are quickly going online and instead of driving down to an office with a box full of records , you simply log on to your computer and access your credit file. Because of the sensitive nature of this service , you want to make certain that the server is secure. You can find this easily by looking in the address bar at the top of your screen and making sure there is the letter “S” after the HTTP. That means you are working on a secure server site.
The next issue is the quality of services themselves. What do you get and what are the promises ? Any company that tells you that you can improve credit scores almost overnight is not being honest because the credit report process takes a minimum of 30 days to get any results from the credit reporting agencies.
Once you begin to dispute errors on your credit report you have to wait for their investigation to finish and 30 days is stretching it when it comes to response time. So, you will not get improved credit scores overnight nor will you see and increase in credit scores in 10 days like some are promising.
Another issue is how will you get your information . Do you have complete access to your credit file or do you have to work through a repair agency who logs on for you and then let’s you see what they want you to see ? The honest and more sophisticated companies let you have complete access to your complete credit file and you control when you log on to see relevant events or log off after you are done. You accomplish all of these options in the comfort of your own home and 24-7 availability is the best scenario.
One problem alot of people have is actually learning how the dispute letter process works . How do you write it? Who do you then mail the letter to and where does it go? In this day and age of multiple office locations , how do you know you are sending your dispute request to the proper person and the right place?
The best credit software will literally write the dispute letter for you. There is one that even locates the problem on your credit report and suggests you to push the button to let the software address and write the letter. All you have to do is sign and mail .
Do you get results ? Higher credit scores is the reason you are reading this story so how do you know what program is best for results ? All companies make promises , but the best ones are so confident of their program that they offer you a guarantee. This way you have nothing to lose .
In the end, after looking at several services and software, I chose AVAIL. In my estimation, it is the best clean credit software on the market. I had results after 30 days and , I saw tremendous results and after that an increase of over 200 combined points in my credit file. All the features I mentioned above were found in AVAIL. They have a special going on where you can get it at a reduced price right now. I believe I paid $199.