Despite what the ads might lead you to believe, credit repair companies don't have any special relationship with the credit bureaus to make credit repair easier. With all of the advertisements for credit repair, a person might think that if you give them enough money, some companies are able to simply wave a magic wand, and all of their mistakes, late payments, charge offs, tax liens, and even bankruptcies would disappear from their credit report. While it can be tempting to listen to the credit repair companies which seem to promise miracles overnight, in reality your credit repair journey will be a long and slow one. Credit repair and debt consolidation companies like to make promises about delivering instant credit improvement. But in truth, credit repair companies cannot substantially improve most peoples' credit reports or profiles. They can't permanently remove bankruptcies, charge-offs, late payments, and other negative information from your credit reports, especially if such information is not obsolete. However, some unscrupulous companies might suggest certain dubious short-cuts that are absolutely illegal and should be avoided. These companies try to prey on your bad credit situation.

If you turn to the Internet or classified ads when beginning your research into credit repair, you'll likely notice many companies offering credit repair services. I am sure you have received countless E-Mails and regular mailings for these companies. Have you seen some of the outrageous promises and fees that *some* credit repair companies charge. Many of these companies promise what seems to be "Too Good To Be True". Credit repair companies are only allowed to dispute the items on your credit reports that you tell them are incorrect. While there are some highly reputable companies helping consumers repair their credit, there are many scam artists. You should be wary in dealing with these companies -- not only are many of them scams, in most cases you can repair your own credit. One must have come across countless ads credit repair agencies making all claims about converting your bad credit into a perfect one. Credit repair and debt consolidation companies like to make promises about delivering instant credit improvement.

Using a company or an individual to fix your credit score may seem like a great idea at first, but it may have 0 effect on the future purchase or refinance of a home. You would be far better off working to repair your credit reports yourself or enlisting the help of a legitimate credit repair company. Cheaper than hiring a credit repair company and keeps you in control at all times. Any person or company that tells you otherwise is not being honest and is simply after your money without regard to the accuracy or benefit of the information or services they provide. Credit Repair is an entire process and the very first step is controlling your debts. Summary Credit repair is a three-part process: fixing your credit report, conquer

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