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How Credit Repair Works: Legally fix your credit

Unless you live in a cave, you've seen the thousands of ads flooding the Internet about fixing your credit. While many of these offers are legal, most are over marketed material filled with trigger words to get you to sign up and spend a fortune to have sterling credit.

Since I began working in the credit field over 20 years ago, I was always surprised at just how many people fell for the oldest trick in the book and bought into Magical Credit Repair with Guaranteed Results. Millions of dollars have been spent by desperate consumers looking for the magic bullet.

The truth is, there are no magic bullets and just like any other financial task in your life, credit repair should be thoroughly investigated and completed by you. No one can do anything different than you can to fix your credit. The so called experts use exactly what you would use to repair credit and deal with collection issues. Education and action.

There are three parts to a credit repair plan. You, the credit bureaus, and the source reporting information about you. When you educate yourself about the process you will find that there is a method to success and it doesn't have to be complicated. Credit reports that are negative always have the same thing in common. Past due accounts, charge offs, judgments, repossessions and tax liens. There is a simple yet effective way to deal with each one of these issues.

Because of all the consumer credit laws we have in place in the United States, credit bureaus and sources who report information about you must do so in a complete and thorough way. Trouble is, it often falls short but there's no one there to catch it. Unless you find an issue with your credit and begin tackling it aggressively, it will remain.

Since credit bureaus must comply with these state and federal laws, this allows you to question items in your credit report just as an attorney may question a witness. Using the laws in place along with knowledge of the process, this is how credit is repaired. Period.

A plan is necessary just as you plan your finances, monthly budget, retirement, you must also plan your credit. The good news is that its quite simple once you have the proper tools and using these tools you WILL begin to see improvement in your credit.

Why us?
We've been offering credit education and credit repair tools since 1995. We know that a plan is necessary and that you should be involved every step of the way. It's your credit which means its your financial future. Shouldn't you be involved in that? We don't think its necessarily a good idea to leave your financial future in the hands of strangers. Would you allow strangers to manage your 401K or checking account? Probably not.

Unless you have absolutely no desire to put in the effort yourself, you should begin finding a reputable source to fix your credit for you. It's your call and its' your money but let me ask you this. Do you think that fixing your credit is so incredibly complicated that you could never do it on your own?

That's where we come in. We've done all the hard work for you by creating an educational structure that guides you every step of the way from starting your disputes to writing your letters to researching the laws that protect you to closing the dispute with positive results.

An educated consumer has a lot of power and credit bureaus and collection agencies know it. So before you pour money out of your pocket to fall for some offer to quickly erase all your bad credit, do a little research. You will find that there are NO shortcuts and REAL credit repair is very very possible. You can do it!

Helpful resources

• How long can bad credit stay on my credit reports?
• Credit after a bankruptcy, is it possible?
• DIY credit improvement tips
• Letters to send to a collection agency
• FCRA help to fix your credit