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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Fast credit repair is possible! I’ll have to add that if you consider fast to be a couple of weeks, you’re setting yourself up for disappointment. You see, fast in the credit repair world is considered at the very least about 35 to 40 days. Why you ask, well because that’s usually how creditors update what their reporting. Your credit scores don’t change, just the information provided that allows the scoring systems to spit out a number. In order for the score to change the information provided has to be changed or updated.
If you chose to do it yourself and you’re looking for fast credit repair results you need to understand a couple more things about credit. One is that most of the changes that can be reported to the bureaus are generated by disputes and they don’t happen on their own. For that reason, if you chose to do it yourself you have to stay diligent on it. It’s no more difficult to generate fast credit repair results than it is for someone to write an article like the one you’re reading now. You simply have to do it.
That being said, you might be the biggest factor when it comes to how fast credit repair happens. Having the best tools at your disposal also helps. You don’t carve a marble David with a lead chisel! You’ll want the best information you can get when you decide to improve your credit and that’s when you might find it useful to have a good credit repair manual that can give step by step instructions on how to do it.
In my case, fast credit repair results amounted to about 90 days of mailing and replying to letters, trying different techniques to have the accounts removed and learning. For truly fast credit repair with little to no hassle you can also hire a credit repair firm or attorney as I mentioned above. I decided to do it myself because I didn’t want to pay someone else to mail letters. I can do that myself for a fraction of the cost it was going to run me to have them do it. Though I do understand that is not always everyone’s best use of time.
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- Image by TrinityCreditServices via Flickr
The best program I invested on was Credit Repair Magic. It’s rated as one of the best credit repair programs and after I compared it to a couple of others I used, I have to agree. It covers in detail how to approach credit and makes it very easy to generate the letters and have them work for you. It also uses the latest techniques for fast credit repair.
If you really want fast credit repair you have to get credit repair magic. It was my iron chisel! Though my credit is no David, it is improving, going up close to 100 points in the last four and a half months. If you’re going to work on it yourself, I would recommend getting a tri-merged credit report and see what all the bureaus are reporting. Having an updated credit report ensures you that there aren’t any surprises when you do eventually re-run the credit report and find that you missed something being reported by only one of the bureaus.
If a company is sounding more like what you want to do you can try Lexington Law. It’s well reviewed and has been doing credit repair for years. You can check out what they have to say on their website at www.lexingtonlaw.com.
Good luck.
Get your Credit Score from CreditReport.com – fast, free and easy!
