I don't think you would argue the point that the world is in an economic depression.
Your bureau credit score is more important now than it has ever been.
The goal of this article is to help you from falling into the hands of many scammers that are waiting to take your money.
According to a recent survey 63% of individuals that needed credit repair went to a credit agency or a law firm.
When asked why they made the decision to seek outside help the number one reason was they didn't have time to do it themselves.
We all have time for what ever we're committed to.
The reality of the situation is it only takes approximately 30 minutes or so to learn the process.
The same people who are preaching that you shouldn't attempt to use a do it yourself method, are the same people that you should be aware of.
I'm not saying that all these services, or do it yourself methods are scams.
In fact there are many excellent choices out there.
The problem is finding them.
Here are a few warning signs when it comes to some of these agencies and do it yourself kits.
When it comes to agencies you should know that it is illegal for them to charge you upfront.
No company or law firm is suppose to charge you before any services have been rendered.
As far as credit repair kits go the main safety precaution that I recommend is that you should make sure that the company offers a money back guarantee.
Make sure that you understand the money back guarantee.
Despite popular belief repairing your own credit is not a difficult process.
It is however time consuming.
Over the years I have had some students that have repaired their credit in 37 days and I have had others that the process took a year or more.
Hands down, the best way for you to repair your credit is to do it yourself using a credit repair kit.
The longer you put off dealing with your credit the more it is costing you.