Free credit repair services seem too good to be true.

Some free credit repair services are too good to be true: companies lure you with claims of fixing your credit score for free, only to charge hidden fees and leave you worse off.

Fortunately, other free credit repair services, including Credit Bounce, genuinely improve your credit score for free.

Can you really improve your credit with zero hidden fees? How does free credit repair work? Keep reading to discover everything you need to know about free credit repair companies.

They Provide Free Credit Repair Resources

Many credit repair companies work by providing free credit repair resources. These resources can include:

·        Information about how credit score works and how to improve it

·        Free, basic counseling

·        Guides on what to say to creditors to increase the chances of removing bad entries

·        Tutorials or videos

Many free credit repair companies offer these resources to users at no cost. In exchange for providing something of value to users, companies increase the chances of the user becoming a paying customer.

They Have Free and Premium Tiers

Some free credit repair companies offer basic credit repair for free, then offer multiple paid subscription tiers.

These companies entice you with basic credit repair help with the hopes of turning you into a paying customer.

There’s nothing wrong with this business model. However, many of these companies offer no real credit help at the free tier, and the only way to improve your credit is through the paid tier.

Some of these companies over-promise and under-deliver: they claim to significantly increase your credit score at the free tier, but you really need to pay a premium subscription fee to enjoy any real improvement to your credit score.

They Write Free Custom-Written Letters to Creditors

Credit Bounce provides free custom-written letters you can send to creditors to remove negative items from your credit score.

At no cost to you, Credit Bounce writes a letter to your creditor or credit bureau with the goal of removing a negative entry.

If a creditor does not have documentation proving a specific action took place – like documentation of a late payment –then the credit bureau will remove that item from your record, raising your credit score.

However, writing a letter isn’t easy. You need to know what to say and how to phrase the request. Credit Bounce uses decades of combined credit counseling experience to provide free, custom-written letters to clients with no hidden fees or other charges.

They Provide Free Credit Help in Exchange for Your Contact Information  

Some free credit repair companies work by selling your information.

You provide your contact information in exchange for receiving something of value – like a credit repair guide. Then, the company sells your information to companies that provide credit repair services.

Read the terms and conditions before signing up for a free credit repair company. You could be agreeing to receive spam messages or calls for years, for example.

They Use Genuine, Proven Techniques to Improve Credit Score for Free

You don’t need to pay a fortune to improve your credit score. In fact, some of the best credit score improvement methods require no payment whatsoever.

A good free credit repair company can improve your credit score using free techniques like:

·        Spotting erroneous entries on your credit report and removing them

·        Contacting creditors on your behalf

·        Teaching you how to reduce credit utilization and improve credit ratios

·        Explaining actionable tips

Some companies genuinely provide these services for free without requiring anything in return. However, most companies require you to provide something of value – like contact information – in exchange for free credit repair help.

They Offer Free Initial Consultations Before Providing Paid Credit Fixing Services

Some companies offer a free credit repair consultation. You enter your contact information online, then get a brief video chat or phone call with a credit repair expert.

During the phone call, the expert may:

·        Analyze your situation to determine the best way to improve your credit score

·        Explain how their company could help improve your credit score

·        Provide basic advice on repairing your credit score today, including simple and actionable tips

Again, there’s nothing wrong with this business model. You receive something of value (a free consultation), and the company hopes to turn you into a paying customer. You receive free basic credit repair information without paying anything, and you decide if you want to do business with the credit repair professional.

They Secretly Charge Hidden Fees

Unfortunately, some free credit repair companies aren’t actually free. You’re paying a significant amount for the credit repair service, even if you pay nothing upfront.

Some companies lure you with promises of a60 day free trial, for example. You just enter your credit card information online, pay nothing today, and get free credit monitoring or repair services.

Sometimes, the company makes it easy to sign up but difficult to cancel. You may be able to sign up online for free online, for example, but you need to mail or call the company to cancel.

Read the terms and conditions carefully to ensure your free credit repair company is legit – and that they’re not charging hidden fees or silently pre-authorizing payments on your credit card.  

Final Word: Good Free Credit Repair Companies Are Legit

Free credit repair companies aren’t a scam: good free credit repair companies genuinely improve your credit without charging anything.

Sometimes, all it takes is a trained professional to repair your credit for free.

Sign up with Credit Bounce today to improve your credit score without paying anything.

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