If you’re looking for quick credit repair advice you’ve come to the wrong place. This isn’t advice. I’m simply sharing a few of the things that helped me with my initial credit repair project. I had a lot of financial troubles in the last two years. Collections and charge offs made themselves a home on my credit report and after recovering, a little. I decided I needed to get my credit up again.
I looked for options as you might be doing right now and for me the best was going with someone who knew exactly what they were doing. I didn’t really feel I could get quick credit repair results myself. When I say quick, I mean 45 days or less. When I looked into companies that do it for you they always talked about how they were the quickest in the industry and that in 45 days I would be able to see a significant difference. It all sounded great except for what it was going to cost me.
My second option was to work on it myself. I realized that if I did it myself it wasn’t going to be a quick credit repair project but after talking to those guys at the credit repair companies I got the picture that they would be doing some disputing. I had no idea how to do it so I had to look into credit repair programs. After researching a little on the internet I picked a clear winner and started working on it.
In the first 2 months I removed 3 collections accounts. Yes I was surprised. I received a letter from the bureau telling me that the action taken was a removal and I jumped. I didn’t have a 750 credit score but that was quick. Credit repair was looking very possible after that first positive step.
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Once I realized that the techniques I started to use from Credit Repair Magic worked I started to go after the larger accounts. I corrected or removed 11 negative accounts from my credit report. It sounds like a lot but I was deep in the hole. I had a total of 24 accounts that needed to be addressed. Some I wanted to remove and being that they were re-aging my debt, it was very possible.
Re-aging of debt is a serious problem and a violation of statute of limitations. For that reason you can use it to have them remove a bad account from your record. You can read more about re-aging and techniques used to clear it when you get Credit Repair Magic. I know the page and the video look a little funny but the program is good. I came across the program through a credit repair review page.
It did make a difference. I’m glad I worked on it myself. I’m still working on some of the bigger, more difficult accounts. They aren’t budging and I think I might have to go to the professionals after all. The last time I talked to one of them they mentioned that the less I have to clear the less it costs because it’ll take less time to do it.
If you don’t want to go through the hassle and want really quick credit repair results the company I found to be reputable was Lexington law. I talked to one of their guys when I signed up for a free consultation and it’s probably my next step. I’d like to own a home in the next year or so, now that prices are low.
Lexington Law Free Consultation and Ebook.
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I should have listened to the credit repair advice I received while researching ways to clear my credit. I looked for months for a way to do it myself instead of getting a professional to do it and honestly I’m glad I didn’t listen. Though working on credit yourself sucks. It really isn’t as bad as it you may think.
Me for example, I didn’t take the credit repair advice I got and to be honest it has saved me hundreds of dollars already. I went on yahoo answers and reviewed questions. Went to Ask and posted questions and most of what I was told was to go to an attorney or credit repair specialist. So…I checked out attorneys. It was great credit repair advice. It simply wasn’t in my budget. I guess I should have asked for budget credit repair advice.
So, yes I decided to do it myself and not follow the advice because of the cost involved as probably 80 percent of those who try to do it themselves. I learned a lot about credit and in about 60 days I saw results from what I was doing.
I learned about disputing, effectively and how to address duplicate entries on my credit report. I also learned about the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I didn’t read them, I got abbreviated versions. That’s about 100 pages of legal jargon that I wasn’t going to understand anyway.
The best credit repair advice was the one that involved how to use the credit rules on both of the credit acts I mentioned above and making them work for me. Credit collection companies aren’t the most rule abiding companies around and they know full well that most consumers aren’t aware of their rights much less what a violation looks like. That’s what contributes to about 80% of consumers having erroneous information on their credit report.
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After reviewing four programs on credit repair I started with 37 days to clean credit. It’s a great program to start with on a budget and the tactics are solid. The reason I opted to also invest on Credit repair Magic and it’s the one I recommend to anyone who want credit repair advice is that it’s more of a do it yourself guide than an ebook. It does provide great credit repair advice.
Ebooks are great but I wanted to do as much as I could in the shortest amount of time and my hang up was in writing the dispute letters. I had like writers block and couldn’t figure out how to make the letters my own. Credit repair magic helped me in that regard, where it’s more of a follow along program.
For me Credit Repair Magic was the best investment I made and it has great reviews. If it didn’t work I was prepared to go to Lexington Law. As I mentioned at the beginning of the article I researched attorneys and Lexington Law I found had a great track record with credit repair and its one of the top companies. I found many credit repair advice sites that recommended it.
What I liked best is that they have a pay as you go type of model and you can start with a free consultation. They even give you an ebook, well at least when I checked them out they did.
Lexington Law Free Consultation
Get your Credit Score from CreditReport.com – fast, free and easy!
