Before approaching a credit repair firm, you must know what are the services that the company can do to repair your credit history and what is cannot do. This will prevent you from investing in the credit repair companies that have false claims. The credit repair firm such as Lexington Law will speak with your creditors and credit bureaus, and you can get a clean credit report.
You must ask the below questions to the credit repair firm before signing the agreement.
You must check with the company whether it can remove the bankruptcy from your credit history. It is natural that if you worked severely to return all your debt within the stipulated time, then the bankruptcy will not affect your credit rating. The next thing you should ask the firm is whether the company produces the bill for the required services before rendering the services. If it can provide a bill, then the company is not a trustworthy one, and it is not obeying the state law. You should reject it.
You can also check with them whether you can do your own credit repair as Do-It-Yourself project. If the credit repair firm asks you to get the new social security number or new FEIN number due to your poor credit history. You must be aware that by doing so, you are going to break law. If it is identified, then you need to face a legal prosecution.
You must also ensure whether the company can dispute everything in your credit report or it will work on the selective items in your credit report. If the company can dispute all the items in the credit report, it will send red flags to the credit bureaus. It harms your attempt in appealing decisions of the credit bureau that are not favoring you.
You ask the above question with the firm and choose the right company who will really work in the motive of helping you to clear your credit problems.