If you are thinking about getting credit repair done you may be wondering Is credit repair legit or will i get ripped off? The brief article below will give you a answer to that question and help you make a choice about your own credit repair.
First off under Federal law you have the right to dispute items on your credit report. Once you dispute them the credit bureaus will investigate your claim with the original lender. These findings will determine if the information gets removed from your credit report or not.
How Can I Get My Credit Fixed
There are two ways to get credit repair done. You can either do this on your own or pay a company to do it for you. There are positives and negatives to both of these choices. I will briefly cover those positives and negatives below!
Paying a Credit Repair Company
The main benefit to using a paid credit repair company is that there is no effort on your part. You basically pay the monthly fee and they do the work for you. The drawback to this method is that it is very expensive and there are alot of shady credit repair companies that will do nothing but rip you off, its basically buyer beware! One credit repair company that does a good job and has a great record is Lexington Credit Repair.
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Fixing Your Own Credit
This is by far the best way to fix your own credit score. The major benefit is that is is very affordable, most self credit repair kits range from $35-$97. Secondly since you are focused on your efforts the results usually come much faster then a paid service who is motivated by money to drag the process out longer then needed!
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The only drawback to fixing your own credit is that you will have to do some work. It is not alot of work and mainly involves making phone calls and writing some letters. But you should be able to get the work done in a few hours or less per week.
Is Fixing Your Own Credit Hard
No fixing your own credit is not at all. But if you have never done it before you will need a self credit repair guide to help you do it right and as fast as possible. In addition a good self credit repair guide will help yo avoid costly mistakes!
Click Here To See The Credit Repair Guides We Recommend
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