Only the Foolish Use Credit Repair Companies

I am sure you have seen the ads all over the Internet and television for the credit repair companies who promise to raise your score and erase bad information from your credit report in record time. Many of these services use fancy ads, hard pressure sales tactics and invent fancy titles like law firm to make you believe they provide a unique service to consumers. But do you really have to hire a credit repair company to clean up your credit? The answer is quite simply no.

Besides charging huge fee's and offering no guarantees on their services credit repair companies are doing nothing special that you could not do on your own. The companies may claim that they have special connections or use little know laws to make negative items disappear from your credit report. The facts are that all the are doing is simply disputing information with the credit reporting agencies,and charging a lot of money to do so.

Although the process of credit repair is quite easy, there is like anything a right way to do things. If you purchase a good self credit repair kit you should have a step by step blueprint laid out before you on how to start down the road to better credit. A good DIY kit will also give you the needed templates to properly write a dispute letter as well as addresses of where to send those letters. Another important part of the process is knowing what to do when your disputes are answered and how to properly follow and re-dispute verified information. All this information and more is always included in a good kit, many of which can be downloaded right to your computer.

If you have bad credit and want it fixed do yourself a favor and invest a small amount of money in a good credit repair book or kit and save yourself a large amount of money.

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