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Credit Repair Credit Repair

Do-It-Yourself Credit Repair

The credit repair industry is a multi-million dollar business.

Why? Your credit score is used to determine a variety of factors including whether you are hired for a job, whether you qualify for insurance or a home loan, and, most importantly, the rate at which you can borrow money. For major purchases like a car or home, having a better credit score can literally translate to a difference of thousands of dollars in interest payments alone.

Of course, there are legitimate and reputable credit repair companies you can turn to (fill out the form to the left to learn more). But what most other credit repair companies won't tell you is they can't do anything for you that you can't do yourself!

The average credit repair company simply sends out generic form letters. In essence, they throw a lot of paper at the credit bureaus' walls and hope a few stick. These credit repair companies seldom look for specific problems within items to dispute, look for discrepancies between credit reports from different credit bureaus, or send supporting documentation. They just plug and chug.

Furthermore, no credit repair company I know of sends disputes to the credit bureaus by certified mail with return receipt. Without proof of delivery, there is no recourse if a credit bureau fails to respond to a dispute in a timely manner. Sadly, millions of negative records remain on credit reports that could have otherwise been removed if proof of delivery could have been demonstrated.

This section will teach you all of the insider tricks that credit repair companies use, and even some they don't! By the time you are finished reading this section you will know more than most "professional" credit repair companies out there. However, if you want to have a reputable company repair your credit for you, just fill out the form to the left.

> Why You Can, and Should, Do-It-Yourself