The Better Business Bureau of Hawaii is attempting to fill a void in civic institutions by providing some credit counseling to Hawaiians in debt. This service is basically useful if one wants to receive a thorough education in the process of trying to resolve your own credit issues. Specifically they are trying to provide consumers with the ability to write their own appeals to credit reporting agencies. The next step would be for the debtor to try and fix their own specific credit report by removing items through direct appeal to the credit reporting agencies.
Preparing to Take Them On by Yourself
Choosing a credit repair service requires an initial understanding of your credit goals. If the reason you are seeking credit repair is to clean your reports to apply for a large loan or to make a large purchase, tailoring your choice of company to your end goal can be very useful. Many specialize in expedience which can be very helpful for people who know already that there are items that are inaccurately reported and recorded in their credit report. If you are about to buy a house and find out something has affected your credit score recently, a quick and targeted removal is probably best for your purposes.
Providing a Public Service
The Better Business Bureau of Hawaii has generously tried to be helpful to consumers by providing a lot of guidance on how to deal with credit reporting agencies. They also try to help guide your choices when picking a credit repair service or credit counseling service. They don’t just make recommendations; they also provide criteria for comparisons between services and provide good cautionary advice about warning signs of scams. The Bureau also puts out alerts about scams and scammers who are operating in Hawaii in the field of credit repair and counseling.