How to Repair Bad Credit - Best Results
More than ever people these days are feeling the stress of bad credit. Do you need to know how to repair bad credit? Since you're reading this article, then chances are you or someone you know has been troubled by bad credit scores and you are in need of a fast and viable repair bad credit solution.
Like with most things you need to first research the facts about how to repair bad credit the best way before you begin.
I should first touch on why I've written this article... As a career community banker I've assisted many hundreds of people over the years with their financial services needs. Too often people have had credit issues that limited their access to banking services and because of my desire and responsibility to assist I've learned a great deal about how to repair bad credit. I want to share my experience because during these difficult economic times more and more people are finding themselves in need of real help in this area.
At a later date I will get into how to rebuild credit using things like bad credit loans or secured credit cards.
How to Repair Bad Credit
There are a few basic approaches
1. "Do it Yourself" - In my experience this is now the least effective approach. Years ago it worked more effectively but the reporting agencies have improved their tools and response times so frankly this approach is a waste of time. There is much information on the internet If you want to learn how to dispute bad credit yourself there but I strongly suggest you avoid paying for any 'self help guides' as you are far more likely than not to be throwing away the money you spend. Also, if time is of the essence then it is better to get experts on the job now rather than first learning how to repair bad credit yourself.
2. Retain Legal Council - Yes this approach can be effective if you are lucky enough to find a good, skilled team. Some firms are well versed in credit law, have streamlined systems and know how to repair bad credit quickly. Before you chose this route, ask yourself if you are honestly able to afford it!
3. Specialty Credit Repair Services - Bottom line is this is now my top choice. Before I go any further though I need to first advise you that the majority of these credit repair service companies are bogus and simply out for your money. Before you go this route you must make absolutely certain you are dealing with a reputable company that truly knows how to repair bad credit.
If you go this route then you should only work with companies that offer ALL of the following features:
A personally assigned Credit Counselor that will be available to work with you consistently
No cost initial consultations and without obligations
A workable credit repair program tailored to your specific situation and agreed to upfront so it is completely understood
No questions asked full refund policy
Provide proven strategies to reduce bad credit debt in your name
Competent budgeting planning and assistance - this is a vital component to decreasing your credit balances
24/7 support as well as no limit access to your credit report information
My top recommendation in this category is My Credit Group. They are experts in how to repair bad credit. They are one of the few service providers that meet all of the above criteria, have a proven track record, and they have successfully assisted many of my clients in the past. If you or someone you know needs help then I recommend you get started by talking with a Credit Expert right now.
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