Who Is “The Best” Credit Repair Company?

The sad truth is many companies pay to have their name show up first with search engines like Google and Yahoo. Is ranking high or a company claiming they are “the best” alone enough to earn your business?

I decided to write about this due to a recent conversation I had with a company claiming they can get any credit repair company to report as “the best” on internet search engines. What struck me as odd is they didn’t have any questions related to the credit repair company success rate or services, they said all that was required was to pay them!

In full disclosure, I am the President of Credit Education for CureMyScore.com. Without a doubt, I believe Cure My Score offers the best credit repair services to help consumers regain control over their credit. It’s not placement on the search engine that makes me feel this way; it is what Cure My Score does every day to help their clients repair their credit.

Let’s face it; there are many credit repair companies to choose from. I actually know quite a few good ones and I know many that are not worth a penny of your hard earned money. When choosing a credit repair company, choose one you feel comfortable with. Make sure they have REAL credit education because it is all but impossible to master your credit until you understand how it works.

My advice is when choosing a credit repair company (or any company for that matter) rely on more than just a search engine placement before hiring them.

CREDIT REPAIR HELP IS AVAILABLE.

If your credit needs some help like this client, take action. There are a lot of resources available on steps to improve your credit. You can get free information from the FTC or contact a professional credit repair company like CureMyScore.com for help. By taking action to improve your credit, you may qualify for the home of your dreams or a new auto while paying less in interest charges.

Call us at 412-564-5370 with any questions / comments or schedule a free program review.  Like us on Facebook to receive future consumer credit tips.

3 Credit Score Killers To Avoid Over The Holidays

Unhappy man at Christmas who now needs credit repair.

 

3 Credit Score Killers To Avoid Over The Holidays

As they say, tis the season! But for many, the season comes with some major credit score declines.  Lower credit scores lead to higher interest rates and denials.  Credit scoring is complicated and many consumers cause credit damage to their credit score without even knowing it. It is important to understand some basics to ensure you don’t end up hurting your score.

1.  Will that be cash or charge?

Paying for your purchases with a major credit card has some advantages over cash. Many credit card companies provide extra protection or extended warranties on items you purchase using their card as well as reward points and cash back.  Using credit allows you not to carry large sums of cash which will prevent you from losing it or becoming a victim of theft. The downside to using credit cards is it causes an increase in your credit utilization rate which leads to a lower credit score. Another downside is that it is harder to stick to your budget leading you to big bills come January. We all know how fast those charges add up.Photo of money we would all save by protecting our credit score.

2.  Would you like to open a new credit card and take 5% off?

Let’s face it; all retailers want you to use their cards allowing them to make more money. Opening new credit cards, for most, is not healthy to their credit score. New credit cards come with credit inquiries and lower your average age of credit both of which lower your credit score in the short run.

3.  How did I forget to pay my car payment?

We all live busy lives but this time of year seems to be the busiest. A simple mistake of forgetting to pay a bill can lead to a 30-day late payment which will cause havoc to your credit score. Keep your bills organized and avoid this mistake at all cost.

Follow these tips and stick to a budget this holiday season to avoid worrying about a lower credit score or excessive debts in the near future.

CREDIT REPAIR HELP IS AVAILABLE.

If your credit needs some help like this client, take action. There are a lot of resources available on steps to improve your credit. You can get free information from the FTC or contact a professional credit repair company like CureMyScore.com for help. By taking action to improve your credit, you may qualify for the home of your dreams or a new auto while paying less in interest charges.

Call us at 412-564-5370 with any questions / comments or schedule a free program review.  Like us on Facebook to receive future consumer credit tips.