Do you want to know if you can get a free copy of your credit report and score from one of the Jacksonville credit repair services? The answer is a resounding yes! You may have heard that you can request a copy of your credit report and FICO scores from all three credit bureaus. You can indeed order them all from their websites, but they may not be available at all from the same bureaus. Some of the bureaus will provide you with a free credit score and report, while others only report to one or two of the major credit bureaus.
The Jacksonville credit repair services that can offer you a free credit report and FICO scores are local companies that you can work with. A good company will give you detailed information about the various factors that affect your credit scores. This means that you can learn more about your weaknesses and work on them until they improve. While it’s true that there are several consumer reporting companies out there, some of them are much better than others. You may want to work with a company that has been in business for a while, because they can easily update your information with the latest rules and regulations regarding your credit reports.
Many people don’t realize that they have the legal right to see their credit reports and FICO scores more often than once a year. They are also entitled to an explanation of why they should review them within 30 days of your written request for such things. A good company will give you this information in writing. If they don’t, find another Jacksonville credit repair service that does give this information to its customers. A good credit repair service knows that its customers value their privacy and they don’t want their financial information advertised to the general public.
Not all of the Jacksonville credit repair services that advertise their services online are legitimate companies. In fact, there are quite a few of them that are fly by night operations run by unethical people who don’t really care if their clients have a low credit score or not. These unscrupulous “credit repair” companies make outrageous offers and then demand payments from their customers with interest rates that are simply too high to be accepted by many lenders. Even when they do get paid, they rarely ever pay more than the actual credit score they created in the first place.
For example, one of the most common services offered by these poor financial history credit repair companies is debt consolidation. This is a lousy idea, and it’s also not really worth paying someone to fix your credit score for you. Debt consolidation simply means that you are moving your high interest debt from one lender to another, often without asking for a lower interest rate. This can help lower your monthly payment, but if you are moving your high interest debts to a lender that already has a low interest rate, chances are that you’ll end up paying even more in the long run. So, instead of seeking out the help of poor financial history credit repair companies to fix your bad credit scores, you should probably try to improve your financial history first by yourself.
That’s the simplest solution to this problem. You should first get a copy of your own financial history to see where you stand. If you have a poor financial history, then you’ll have to work on rebuilding it. But if you have a good financial history, then you can skip over trying to fix your credit report until you need it. And that’s the best way to make sure that you don’t find yourself in a bad financial situation down the road again.