Self-help is a good option if you are in need of credit repair. There are many companies out there promising to help you fix your credit, but it is not worth the effort. It is actually possible to repair your credit by yourself.
Repairing your credit is not as hard as you might think. The latest trend in credit restoration is self-help. You only need to pull a copy from each of the three credit reporting agencies: Equifax, TransUnion, and Experian. FACT Act allows you to get one credit report free of charge each year. The fee for the two additional reports is between $10 to $15. Next, you will need to check the accuracy of your credit report. Most likely, errors will occur. These errors could be anything from an unpaid past due account to a non-existent debt. Once they have received proof of the error, you will be required to inform you in writing. This is a time to be diligent. Accuracy and accuracy are key to a successful self-help credit recovery program.
The self-help credit program will also include the creation of an ongoing plan to help you manage your credit and avoid getting into financial trouble again. Yes, credit counselors might be able help, but you don’t want to pay for the service of a poor company.
Research will show you that the Internet is full of useful information and software programs to assist you in your self-help credit repair program. Although it takes a lot of effort to repair your credit, the end result will be worth it.
