Why Should I Consider Credit Repair or Credit Enhancement?
An optimized set of credit reports and a higher credit score is essential for all consumers. Restoring credit is needed to address the fact that most credit reports contain errors.
Problem credit impacts your financial life in many ways. Working to clean up your credit history is therefore important for all consumers. When you erase problem credit data, you'll enjoy a better financial future: restored credit means better interest rates.
Credit restoration is a means to the goal of empowerment. Problem credit will eventually force you away from hopes of reasonable interest rates and strong purchasing power, driving you into a lower tier where "problem credit" loans and high-APR credit card offers. This is why restoring your credit is so important and valuable.
You don't have to be on the edge of bankruptcy to feel the impact of 0% APR versus 29.99% APR - the difference is staggering. The same goes for a home or vehicle loan. Any increase to your interest rates means higher monthly payments.
To restore credit and remove the stigma of "problem credit" is a major undertaking. Consumers must pull their credit reports, decipher what those reports "really say" and then the consumer must create dispute letters that challenge information directly with the bureaus. A consumer then waits 45-60 days to get a new set of credit reports, and if the credit problem "verifies" they must begin the cycle over again.
Restoring credit on your own can be a problem on its own. Yet consumers know they need to restore and fix problem credit in order to increase their buying power and financial capacity. To help the many consumers who don't have the time or ability to deal with a complicated process for months on end, assistance to quickly restore their credit to an acceptable and accurate level is available.
That's where a legal credit repair agency can be helpful. Established credit repair firms have years of experience with thousands of reports and consumer credit problems, and these repair firms have adjusted and fine-tuned their credit restoration services to provide fast, efficient methods to restore credit and fix credit report problems.
With Get Wise Credit, our strength in credit repair and restoration is not limited to removing problem credit. Get Wise Credit fully consults with our clients on a number of additional factors that can also increase credit scores and our clients' buying power one method is adding Trade Lines which is very effective in building a credit history.
For example, Get Wise Credit will advise on how to negotiate with collections agencies, how to pay down credit card balances properly to raise a credit score by the largest margin possible, how to prepare and maximize in preparation for a home mortgage, and so on.
In order to improve your credit score and reports and to help you fix problem credit, thereby increasing your credit score and restoring your credit rating to a satisfactory level, there's a choice aside from doing it yourself... get expert assistance!
If you have credit problems, be sure that your credit repair company offers a solution, not just a cookbook of credit repair tactics. Credit restoration and credit score optimization services from Get Wise Credit are the best solution to your credit problems.