There are four ways to mend your credit, and here they are from worst to best:
Worst: Credit Repair Services
It’s tempting to simply pay a company to”do the work for you,” but all credit repair services have 2 nasty secrets they do not want you to know.
First, because they charge monthly for their service, they make more money–up to $2,000– if they purposively drag out the process, which is why they often take 2 or 3 years.
2nd, you actually wind up doing MORE work than if you did it yourself. In addition to lots of forms, the credit correction service needs YOU to personally select which items to dispute, the proper way to dispute them, and you have got to continually send them information the credit offices send you.
Better: Follow Instructions From The Credit Offices.
This is similar to the wolf indoctrinating the sheep. The credit offices are Not your chums. This approach costs nothing, but you get what you pay for. Do not do it.
Better Still: DIY Programs (Usually A Published Book,
An Ebook, Or An Audio Program).
There are many hundreds of these programs available, but they are outdated. If you’re very organised and have plenty of free time available, the method these books describe will work reasonably well. At some point.
Best: Credit Repair Software
There are several firms that offer credit repair software (not simply an e-book). Although some are frauds (clue: unprofessional-looking websites), many credit repair software programmes blend the best of all worlds: simpleness, low price, and immediate results.
Higher quality credit software goes from $97 to $1,000 or even more, but there’s no reason to spend the higher amounts. Look for satisfaction guarantees and a professional-looking website.
