Self Credit Repair - Behind The Smoke And Mirrors
The consumers have been brained washed into believing the words, “Self Credit Repair,” are bad. This is mainly do to the unscrupulous business practices of some credit repair agencies. For the most part these companies have managed to illegally charge the consumers for services that they cannot deliver.
While preparing to write this article, I read numerous books and articles on the subject matter. The majority of them centered on tactics that are extremely outdated. In a nutshell many of the organizations do not have the consumers best interests in mind. I give my students the same advice that my mother gave me - If you want something done right, you must do it yourself.
The best way to repair your credit is to do it yourself. Even the “Federal Trade Commission” states that, “there is nothing that any credit repair company can do that you cannot do for yourself.” All you need is a good credit repair kit, and persistence.
The fight for credit repair is won through a series of credit dispute letters. Most credit repair kits will walk you through the entire process step-by-step. If you have completed all the steps and you still haven’t achieved your desired goal, your next move is simple. Start back at step one.
Listen to the so-called “Experts” and you would believe that the credit repair process is difficult. Look a little closer and their motives are revealed. As long as you have bad credit the experts continue getting rich. I’m not against all credit repair businesses and attorneys, they too serve there purposes. I have been in situations where the creditors were trying to play hardball and I have had to take legal actions.
In the past seven years I have had to take three creditors to court. I won all three cases (just for the record). I do not recommend that you do this. From my experience most people get nervous once they walk into a court room. For those people I recommend hiring a credit repair attorney.
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