The ONLY Way To Repair Credit Is To Do It Yourself

Category: Finance, Credit.

There are few topics as polarizing as credit repair. Rarely do you find someone with a perspective on credit repair that is not at the far end of one of these extremes.

Depending on who you talk to, credit repair is usually thought of as impossible, something you can, illegal only do yourself, or something you need professional help to perform. The fascinating thing is that in most cases, whatever people believe to be true will be true for them. Answers forum who states that" there is NO SUCH thing as Credit Repair. it s a scam. " will never realize any benefits from repairing their own credit. The poster on the Yahoo! By believing that credit repair is impossible, they are fulfilling their own prophecy by ignoring their rights to dispute their own credit. This person, and every other person who ignores the possibility of credit repair, will fall into the category of people whose credit scores will only improve through the passage of time. By not believing it can be done, they are proving their own point.

The same is true of people who believe that credit repair companies do not work. Answers stated that. "There is no such thing as repairing your credit through someone else. Another poster on Yahoo! If they can, they are doing this via an illegal way and be extremely careful, as it can end YOU up in jail and fined. Pay your bills on time. The ONLY way to repair credit is to do it yourself.

O) " Along with being misinformed about how the credit repair process works, this person is letting their flawed knowledge keep them from so much as investigating the possibility that a credit repair company may be able to help them out. It is truly astounding how many people out there believe that credit repair cannot work and credit repair companies are nothing but scams. Once again, in believing that it is impossible for a credit repair company to provide any value, this person has assured that they will never receive any value from a credit repair organization. It is also unfortunate that it is these voices that seem to be the loudest because not only are they making credit repair an impossibility for themselves, but they are convincing so many other people to not even attempt to repair their own credit. These are the people who have allowed for the possibility that their credit could be repaired and realized the truth about their credit reports. What is equally astounding is how these people can be so passionate about outing credit repair as a pipe dream and a scam when there are so many other people out there who are living proof that credit repair does in fact work.

It is hard to believe that anyone could completely dismiss the idea of credit repair when there are stories like this: "I signed up for[ credit repair firm] a couple of years ago. After a few rounds of this, negative credit items start to fall off your report. They basically write a couple of letters a month on your behalf to either businesses or credit reporting companies asking for verification of debt, that kind of thing, or if you instruct them, actually challenging the debt. You can totally do this yourself, but it s been worth the cost to me( something like$ 40/ month) since I am too lazy to regularly write this kind of letter. Some people seem to think this is some kind of scam( like, paralegals write the letters on your behalf instead of attorneys, and some people don t seem to understand that when you give an attorney" power of attorney, " they can write letters as you) , but I think it s a fair price for something I was too lazy to do myself. I also like how when the credit bureaus do bother to write back, they re always pretty whiny and pissy about it.

Ultimately, they pretty much got rid of all the negative items on my report except for the ones that were at least semi- legitimate. (I m not going to pay a parking ticket I got five years ago in a state I m not going back to. ) The ones they did get rid of were things like AOL continuing to charge a credit card after a) I had cancelled the AOL account, and b) I had cancelled the credit card! It s annoying that I m responsible for fixing something that this bogus industry screws up in the first place, but other than that, I m a happy" credit repair" customer. " People who believe that credit repair is impossible will never see any benefit from it. It just wasn t worth my time to chase this down with AOL or the credit card company. People who believe that credit repair can only be done by themselves will only see the benefits of their personal efforts. Ultimately, when it comes to credit repair, we all create our own truths. People who believe that credit repair companies do not work will never invite the opportunity to have a credit repair company work for them.

All anybody can ask of you is to perform your own research instead of letting others choose your truths for you.

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