4 Things to Look for in a Credit Repair Agency

When securing the services of a credit repair agency, there are certain things that you need to look for in order to determine if it’s an agency that you can trust.

As an example, if it’s an ethical credit repair business, they will have no problem providing references if you request them.

On the other hand, if the repair service is unethical, they will dance around the issue and do everything in their power to prevent you from getting access to their references because they’re either nonexistent or very negative.

With that in mind, let’s discover four things to look for in a top rated, ethical credit repair agency.

1. Are They a Member of the Ethical Credit Repair Alliance?

For starters, when looking into potential credit repair agencies to work with to lower your credit score, the first thing you should do is check to see if they are members of the Ethical Credit Repair Alliance (ECRA).

If not a direct member of this particular organization, they should be members of one or more regulatory organizations if you’re going to do business with them.

Ultimately, the ECRA is the equivalent of the Better Business Bureau (BBB) and what they do in the business world.

So, choosing to work with an ECRA member is definitely going to be a wise choice.

2. Avoid Email Spammed Credit Repair Offers

If you have credit problems and suddenly receive an email from a company claiming that they’ll be able to solve all of your issues, this isn’t fate or luck suddenly making its way into your life.

On the contrary, this is an unethical, illegal attempt to take advantage of you and nothing more.

Many of these scam companies sending email spam are trying nothing more than unethical methods to reach millions of people hoping that they’ll be able to catch a sucker willing to send them money for nothing.

Steer clear of any company attempting to get your business through unsolicited spam.

3. Beware of Any Company That Demands Full Payment Upfront

Believe it or not, federal law dictates that credit repair companies are no longer allowed to charge an upfront fee.

In fact, if a company does ask you for the their fee upfront, this should be looked upon as a major red flag and it should tell you that you’re dealing with somebody looking to take advantage of you and nothing more.

At this time, legitimate credit repair companies and successful agencies are only allowed to ask for payment upon completion of their work.

And this is a good thing for you as somebody dealing with credit issues because this law is here to protect you.

According to CreditRepairServices.co, a website designed to compare the top credit score repair services online, “Time heals most wounds, including bad credit scores.” So don’t immediately send your money to the first credit repair company to come along, because they aren’t supposed to charge you until they’ve done their work.

4. Do Not Work with a Company Telling You to Create a New Identity

credit score

This should be a no-brainer, but you’d be surprised at how many people fall for this scam.

You’re never allowed to create a new identity. It’s completely illegal and you’ll get in a lot of trouble if you attempt to go this route.

So, if a company tells you to create a new identity, tell them to step off, go away, and look for a new victim somewhere else because you’re not falling for their shenanigans.


Finding a good credit repair agency is not that difficult if you know what to look for. Please use the information shared today and you’ll have no trouble finding the right agency in no time at all.

Dragan Sutevski

Posted by Dragan Sutevski

Dragan Sutevski is a founder and CEO of Sutevski Consulting, creating business excellence through innovative thinking. Get more from Dragan on Twitter. Contact Dragan