Best credit repair services continued

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2) Look for an offline presence – The Internet is a great vehicle for commerce, but the process of working to repair your credit reports is more effective when performed offline. Established credit repair companies usually have a physical place of operations that you can use as a guide to how stable the company is. Google Maps or some other satellite imagery service is a great tool for checking out the company's home office. Grab the company's address, pull up a map and see if the company has their own building, is headquartered in an office complex, rents out a space in a strip mall, or has the mailing address of a personal residence.

Lexington Law is headquartered in a 50,000 sq. ft. campus located in North Salt Lake, Utah where clients and prospective clients are welcome to visit our main office at any time during regular office hours.

3) Look at pricing and payment options – Signed into law in 1996, the Credit Repair Organizations Act sets guidelines credit repair companies must adhere to. One of these is to only accept payment for services after the agreed upon services have been performed. This was put in place to protect people from fraudulent companies who would charge large upfront fees and never provide the expected credit repair services.

As a result of this, you should avoid credit repair companies who require an upfront payment (yes, there are still many in operation despite this regulation).

In addition to finding out when and how much you will be expected to pay, make note of the payment options. Most reputable online companies will provide at a minimum the option to pay via credit card on their website or over the phone. Additional payment methods may also be accepted.

Be wary of companies who only accept checks or money orders as you do not have the same protections in place to recover your money if something goes wrong. Also watch out for companies who use a third party payment system on their website such as Paypal as this can be indicative of a fly by night credit repair service. Finally, as with any online transactions, when submitting payment information online, make sure the webpage is secured. If not, your personal information could be intercepted. Before entering your credit card or Social Security number on a web page, make sure the address of the page starts with "https" and your browser displays a padlock or similar icon indicating the connection is secure. Click here for more information about checking if a web page is secure.

Lexington Law only charges for services after they have been performed. Our $99 first work fee is charged 5-6 days after enrolling in our credit correction program. This fee is charged only after all the work has been done to get your first round of credit bureau disputes (and creditor interventions, if applicable) out the door. Monthly fees are then charged after each month's services have been provided.

For payment method, Lexington Law accepts credit card or automatic draft from client's checking or savings account. When enrolling online, a client's information is secured by 128-bit encryption.

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