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Is Credit Repair Right for Me?

The reasons people fall into debt abound. Perhaps you had an extended period of unemployment that was out of your control. You or a loved one might have experienced a costly health crisis. Maybe you just got in over your head with spending, and, before you knew it, you were swamped with bills. Debt is seductively easy to fall into, but it is infinitely more difficult to find a way out. You are probably growing tired of collection agencies and creditors hounding you constantly. You don't want to deal with the embarrassment and frustration of getting turned down for another credit card, loan, or mortgage. And you just cannot afford to continue paying ridiculous interest rates. If this sounds like you, buried in debt and credit problems, credit repair can help.

Credit Scores are Important

Credit scores affect so many aspects of our lives. A low credit score could impede you from finding a desirable place to live, pursuing higher education, or purchasing or leasing a new car. In today's job market, some employers now investigate potential employees' credit backgrounds to assess for dependability. Quite clearly, a low credit score can prevent you from living the life you want. For those who are already buried in debt, a credit report with derogatory items can result in debt spiraling even further out of control because of late fees, sky-high interest rates, and other penalty fees. In fact, the average American with less-than-perfect credit spends about 30-40% more per month in higher interest rates. Cleaning up your credit report with credit repair will improve your credit score, which can greatly improve your overall quality of life and eliminate the stress caused by unmanageable debt.

What Credit Repair Does

Credit repair involves the removal of derogatory items from your credit report to improve your creditworthiness. Late payments, charge-offs, and bankruptcies are a few examples of what constitutes a derogatory item. Such items lower your credit score and make you a less attractive customer to potential lenders. Credit repair conducts a systematic review of the derogatory items on your credit report and disputes questionable items with your creditors. The credit repair company advocates for you and deals with your creditors so you don't have to. The goal of credit repair is to rehabilitate your credit so you no longer have to feel buried by debt and limited by your poor credit score. Ultimately, credit repair is about saving you money that would've otherwise been squandered on exorbitant interest rates and endless fees.

How Credit Repair Works

Credit repair companies demand verification and validation of derogatory items from your creditors using legislation designed to protect consumers like you. Such laws include the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act, and the Health Insurance Portability and Accountability Act. Credit repair companies serve as experts in these laws, all designed to protect your credit report. Creditors are under a legal obligation to produce documentation for derogatory items within a certain time period, usually 30 days. If they cannot validate the claims they make, they are required to promptly remove the information in question from your credit report. It's that simple.

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