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Finding good credit repair help online: Tips to find the best credit services & avoid the junk

When it comes to credit services, the web can be a very confusing and messy place. Extracting good content from the Internet for your credit report , how to get credit, credit help and even credit repair is a bit, well, overwhelming to say the least. Getting past the spammers and the junk is half the battle. That's why when it comes to locating good credit services, I like to look and listen. Go with the top industry leaders and see what other people like yourself are looking for when it comes to your credit.

Are they tweeting, facebooking and digging particular credit service providers? I dont know about you, but domain names stuffed with keywords like credit repair or fix credit score are not typically sites I'll visit.

From the title alone you know they're just trying to grab every possible person who came to the Google search bar looking for help to their credit problems. Chances are once you hit their website it's going to be filled with pure junk. A great tool to see whats out there is a twitter search for "credit repair". You can quickly view all the latest social remarks about it without going to the websites if it looks tacky or unprofessional. Lots of credit service experts tweet the latest.

About the only thing helpful you'll find when looking for the specific term "credit services" is one link to the FTC (Federal Trade Commission) for an article about credit repair and tips how to avoid pitfalls and scams. Go with that link. Not only is it great advice from the FTC but it's one of the few places that how to credit tips will actually be of value to you. Save yourself the headache and avoid those new credit history links. They're not legitimate AT ALL. There is no such thing as a new credit history unless you're thinking of creating an illegal second credit profile which is nothing more than identity theft.

So let's have a look at some great resources in the credit services industry

Credit repair attorney: When it comes to paying someone to fix your credit reports, an attorney is probably the safest bet. If you've already made the decision to hire a credit repair company then obviously money isn't the issue. But quality should be. There's a lot to talk about when it comes to hiring someone to repair your credit history and I'll have to save that big topic for another time, but generally a qualified consumer credit attorney will be the safest bet. Especially those like Lexington Law that specifically specialize in credit repair. A lot of "credit repair attorneys" have popped up online in the last few years, but Lexington was the first, is still around, has a clean record -- and poured a lot of their resources into offering the service completely online to make it very convenient. And it's affordable and you can cancel anytime. Lexington Law abides by the CROA - Credit Repair Organization Act and wont charge you in full for work yet to be performed. If you found someone who does, it's illegal.

DIY credit repair: (credit correction): Besides the FTC, which is a great resource for the DIY credit repair seeker, there's a lot of websites that have started farming credit repair articles but really have no expertise at all. They're just trying to grab some of the millions who search for credit repair help every day. We hate to toot our own horn, but when it comes to free or DIY credit repair, we've been around offering it since 1995. There was only a handful of us back then, and today, the best are still here. If you want good FREE credit repair tips or really low-cost help then we recommend the veteran's in the industry.

• CarreonandAssociates: has a TON of articles and tips on how to work on your credit score, draw up credit repair letters and deal with bill collectors. We also offer a credit and collection success strategies ebook as well as tools to help you search out state statutes and other topics relating to your credit.

• My Money: Mymoney.gov has a lot of valuable tips about all things credit and money related. Great tools to help you avoid financial mistakes and educated yourself about the value of your credit.

• Credit- Info-Center: Like us, CIC has been around a very long time. Run by a former real estate pro, the site's a great place to set aside a day and just delve into all the credit repair and debt collection tips she offers. Lots of thought goes into her articles, and unlike those websites that just farm and spin content, Kristy Welsh actually knows a thing or two about the credit services industry and how to navigate the system.

• CreditNet Credit Talk Forum: One of the oldest credit forums on the web, creditnet has a lot of good information about how to repair your credit. People gather there and discuss all the tips/success in cleaning up their credit reports by doing it themselves. A lot of great collection agencies tips can be found in those discussion threads.

• About.com: This DIY directory has a great section on how to fix your credit yourself. They have an entire credit section dedicated to credit repair tips. While they dont get as deep as some of the sites that are dedicated to only credit repair, they do have a wide variety of credit related topics and are worth a bookmark.

• Credit reports & credit scores: There are way too many "free credit report" sites to list, but the best place to start is annualcreditreport.com where you can get a free copy of your credit report and order your credit scores. It's a government site so you know its secure, and yes, the credit reports are really free. You can have access to your credit reports in a matter of minutes online.

• Credit card reviews & ratings: Boy, does this topic grow by the day! In this economy and with people facing foreclosures and lower credit scores, they're always looking for a way to measure the best credit cards and rewards. Competition is stiff right now for credit card companies and they all seem to be offering introductory rates and perks. Creditcard.com can save you a ton of time by offering all the latest information on credit cards in one place.

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