Do You Know Why Credit Repair is Important?
Have you ever considered credit repair or have you ever tried to repair your own credit? If you answered no, then trust us when we say that you’re not the only one that pushes bad credit to the back of their mind. According to a study conducted by Lendingtree, “nearly 4 in 10 adults claim to be completely clueless as to how credit scores work.” You can see where the problem arises then; how are you expected to fix something, you’re really not even sure about in the first place? There’s no need to feel ashamed or embarrassed though, we don’t expect you to know everything there is to know about credit right off the bat, in fact we’ll help you out along the way.
Believe it or not, your credit is so much more than just a three-digit number, it’s a reflection of who you are as a consumer. Unlike the “old days,” where your character, job, or having family, friends, even neighbors vouch for you was enough to get you approved for new lines of credit, nowadays the process is completely different. Whenever it’s time to apply for a credit card, mortgage, auto loan, even a personal loan your credit report, as well as your score are the first things to be assessed. In other words, lenders need to be able to see that when they let you borrow money, they’re going to get it back, under the terms set in place; the last thing they’d want to deal with is an irresponsible consumer making them lose money.
We’re not trying to say that everyone that needs credit repair is irresponsible, that’s obviously not the case; we understand that life doesn’t always go according to plan. Whether you lost your job, forgot to make a payment, got injured, etc. and you weren’t able to keep up with your financial responsibilities, here at The Credit Agents we’ve got you covered.
Who Are The Credit Agents?
If you’re around the Houston area, then maybe you’ve heard of us, but if you’re not then “hello there, we’re The Credit Agents. Here at The Credit Agents we can proudly say that we’ve been in the credit repair business for well over a decade; we’ve helped improve the lives of over thousands of consumers, who were in the same place as you. We’re strong believers that your bad credit shouldn’t have to limit you for a lifetime because as we say, “bad credit doesn’t have to be permanent.”
We don’t just want you to take our word for it though, we have over 2,000 reviews on Google, as well as a 4.8/5 rating. We believe that our former clients can attest to just how much of a difference credit repair made in their lives, whether it be because they were able to get into that new car or even their dream homes. When you decide to team up with TCA you’ll notice just how seriously we take your situation and how badly we want to see you reach your goals. We’re not just looking to profit off of you, our priority is to make sure that your credit report is as accurate as it should be, that your credit score improves, and you’re able to live life to the fullest again.
What Makes The Credit Agents A Legitimate Credit Repair Company? What to Look Out For in illegitimate Credit Repair Companies?
The best thing you can do for your situation when you first start looking into credit repair is to look for reputable resources or companies. You never just want to pick a company without having read their reviews, testimonials, checked out their ratings, even requested a one-on-one with an expert. Remember, with something as sensitive as credit repair, you want to make sure that you’re in good hands and you’re taking the time to do your research; no one knows your needs like you do, so it’s up to you to make the best decision for yourself.
There are a couple of things you’ll notice when working with The Credit Agents:
- Your initial 15-minute consultation is free
- There’s a one-time set-up fee of $349
- There are no monthly fees, instead there are deletion fees
- If after 6 credit cycles you’re unsatisfied with the results, then you’re entitled to a full refund.
- We’ll only do everything we legally can to improve your credit report and score, which means we cannot guarantee 100% success.
- We won’t make empty promises about improving your credit overnight or even within a couple of weeks.
- We usually recommend that you partner up with us for at least 6 months, but every individual’s situation is different.
It’s true that credit repair has a bad reputation, but not every company is a scam; however, there are a few things you should look out for.
- Avoid companies that are trying to charge you upfront or before any services have been completed.
- If a company is making promises that sound too good to be true, it’s usually because they’re empty.
- Don’t fall for companies that make guarantees like, “ see your credit score increase by 100 points within a week,” or “we can delete anything off of your credit report.”
- If a company isn’t transparent, doesn’t have reviews/testimonials, and simply wants you for your money, then make sure to steer clear.
What Happens After I Initially Reach Out? What Does The Credit Repair Process Look Like?
Whenever you choose to reach out to The Credit Agents, you’ll first come into contact with one of our experts; it’s at this point that your free-15-minute consultation will take place. During this time, our experts will briefly review your credit report to see if you’d be a good fit for our credit repair program. No worries there’s no catch and you don’t have to pay anything until you’ve come to an agreement with one of our experts.
If you decide that it’s time to tackle your low credit, then we’ll be more than happy to guide you through the process. First you’ll start by getting the initial-set-up fee out of the way, it’s a one-time cost of $349 and after that you’ll only be charged for deletions. Also, before we get to work on your credit report, you’ll have to sign up for credit monitoring through IdentityIQ, but we’ll explain more once we get to that step. It’s important to have a credit monitoring service, and in this case one that won’t break the bank, because we want to be able to lookout for major changes and to ensure that the work being done is showing results.
Now the credit repair process is different for everyone and will differ depending on what needs improving or fixing in your credit report. Some individuals need help disputing information that’s out of date, while others need help dealing with collection agencies or debt collectors. Luckily, The Credit Agents have you covered, again we’ve learned the ins-and-outs of this industry after a decade of being in it.
What Services Are The Credit Agents Known For?
We know you’re probably tired of hearing it, but with over ten-years of experience within the credit repair industry, The Credit Agents can proudly say that they do so much more than just deal with the credit bureaus on your behalf. We understand just how complex credit can be and just how many areas of your life can be affected by it, which is why specializing in a variety of areas helps out.
Some of the areas that they specialize in include:
- Third party collections
- Debt buyer collections
- Tax liens
- Medical collections
- Charge offs
- Broken leases
- Repossessions
- Judgements
- Foreclosures
- Bankruptcies
- Identity fraud
- Inaccurate names
Have You Made Your Decision?
When you’ve decided that you’re ready to stop letting your bad credit limit you and start living life to the fullest again, then you know where to find us. The Credit Agents are here to help you because we truly believe that you have the capability to have your situation fixed and that weight lifted off of your shoulders.
