There are four ways to fix your credit, and here they are, from (in my opinion) 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 (that includes law firms) have two dirty little secrets they don't want you to know.
First, because they charge monthly for their service, they make more money--up to $2,000-- if they deliberately drag out the process, which is why they often take two or three years.
Second, you actually wind up doing MORE work than if you did it yourself. In addition to dozens of forms, the credit repair service requires YOU to personally choose which items to dispute, how to dispute them, and you have to constantly send them information that the credit bureaus send you.
Better: Follow Instructions From The Credit Bureaus.
This is like the wolf instructing the sheep. The credit bureaus are NOT your friends. This approach costs nothing, but you get what you pay for. Don't do it.
Better Still: Do-It-Yourself Programs (Typically A Printed Book,
An E-Book, Or An Audio Program).
There are hundreds of these programs available, but they're out of date. If you are very organized and have lots of free time available, the process these books describe will work fairly well. . . eventually.
Best: Credit Repair Software
There are several companies that offer credit repair software (not just an e-book). Although some are rip-offs (clue: unprofessional-looking websites), many credit repair software products combine the best of all worlds: simplicity, low price, and fast results.
Better quality credit software ranges from $97 to $1,000 or more, but there's no reason to spend the higher amounts. Look for satisfaction guarantees and a professional-looking website.
The best credit repair solution for the money is Credit Repair Magic, available at CreditRepairMagic.com. At only $97, it's the fastest and most cost-effective credit repair solution we've ever found. Don't waste your time with useless e-books or ridiculously overpriced monthly services. Download the best credit repair software anywhere.
Check it out for yourself and see if you think it could help you.
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