Unfortunately there are more than a few unethical companies / individuals in the credit service industry. Here at Improve My Credit USA we want to make certain that you avoid these less than scrupulous companies (whether you are using us or even another company.) Credit report verification processing can cost anywhere from a few hundred dollars to over two thousand and will take up to a year to complete the process. Choosing the wrong credit repair company can end up wasting money and perhaps more importantly, your time. Choosing the right credit repair company, however, may be one of the best things you can possibly do for your financial future.

Improving your credit score can be the difference between whether or not you get into a new house, car, or even a job. A higher credit score may also help you refinance your existing payments so you end up paying less every month. A trusted credit repair company can lend their expertise and help you on your way to achieving these results.

Unfortunately, credit repair is an industry that has received a bad reputation because of the publicity afforded to credit repair scams. While fraudulent credit repair firms tend to be shut down quickly, it is still in your best interest to learn how to identify the differences between a legitimate credit repair service and a credit repair scam. One of the most important and easiest factors to confirm is licensing and bonding. The state of Texas requires credit service organizations to carry a minimum $10,000 surety bond and to be registered with the state. Commonly legitiment companies will be registered and bonded but it is uncommon for fly by night con artists to take the time and make the effort to do so.

(See our Bond and State Registration documents and our zero complaints BBB Status.)

(Note: The BBB in Houston, TX. currently will not allow Credit Restoration Companies to become accredited members. Wwhat is most important, however, is not membership but to note the "Complaints History" section of the report. Any busines, member or not, can be reported on and we are most proud to have maintained a zero complaints history.)

An easy way to do this is to know a few of the laws that govern credit repair companies. These laws as defined in the Credit Repair Organizations Act were designed to protect you from credit repair scams while also protecting your right to get help with repairing your credit reports. The first law you should be aware of pertains to the way credit repair companies can bill you for services. In a typical credit repair scam, the so called credit repair company charges a large upfront fee (many hundreds or even thousands