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. If your credit problems are numerous and long standing you might want to engage a more proactive type of company that will make sure to thoroughly pursue your claims throughout the credit arena
Prime Credit Advisors has a very clear description of the their process of repairing your credit, albeit somewhat terse. They say that as soon as they turn in your dispute letters to the credit agencies you will have a resolution within 30 days. Anyone familiar with this process knows that a prediction about a credit agency RESPONSE to your dispute in thirty days is a description of the legal requirement that credit agencies are to respond to disputes within 30 days – that does not mean that the items will be removed in 30 days. The credit agency may not agree with the assessment and can chose to open an investigation – and there is no time limit on how long that process could take. Also, there is no claim made by Prime Credit Advisors as to how long it will take them to prepare the dispute strategy. They also do not place a time frame on the production of dispute letters.
Does Hiring a Credit Service Make Sense
Brevity is a virtue, but the very brief description of their services by Prime Credit Advisors makes it difficult to compare their services to other companies. Initially, they only claim to petition the credit report agencies rather than the agencies who generated the reports. This service probably can identify false or illegitimate information recorded on your credit report, but that is a minimal service at best. Often repairing your credit requires clearing your name through ALL reporting actors, not just the credit reporting agencies that generate items on your credit report.