4 Things You Should Know About Credit Repair


Ever since credit became the main factor for determining the credibility of a buyer, people have faced serious problems because of their credit score. Even when people have had the cash to buy something like a car or make a down-payment on a home, they have struggled to find a willing seller because their credit score wasn’t up to par. As this problem became more widespread, credit repair became, and still is, an extremely sought-after service.

Unfortunately, not everyone in the credit repair business has pure intentions when servicing customers. Since it is a rather technical field of work and there are a number of sectors that depend on it, the credit repair specialist has quite a bit of latitude within which to operate. This, in turn, often allows for incidents of malpractice to occur. It’s very easy to extort more money out of clients when they are in a difficult position and they are counting on a credit repair specialist to make the situation better. Familiarize yourself with these 4 important things before you get your credit repaired.

  • You’re Entitled To Free Reports

Don’t let the credit repair specialist put you under pressure just because you don’t have the necessary reports. It’s true, if you want additional reports you will have to pay for them but before you do that, you can get a lot of free reports. In fact, you are entitled to a free copy of your credit reports from all the leading credit bureaus once per year. Even if you aren’t doing business with them directly, you can still request a free credit report to see how your credit score is doing and what the underlying reasons for that score are. If you haven’t yet received your copy for the current year then don’t get talked into paying for a copy of the reports. You can either ask your credit repair specialist to request one or you can even request one on your own directly from the credit bureaus. 

Credit repair services can help you with the whole process as well. The easiest way to find the most established ones is to Google credit repair + the state you live in. For example credit repair Illinois.

  • Repair Can Take Time

In the same way that your credit score won’t crash overnight, you shouldn’t expect it to improve overnight either. In order to improve your credit history, you need to add things to the ledger to reduce the impact of the negative entries. Also, the more recent the history, the greater the weightage on your credit score. There are also several technical things that go into solving the credit score problem.

You can do it on your own, but it would take quite a bit of time if you aren’t already familiar with things like debt validation, false reports, and goodwill letters. Rather than spend time learning, you can use this blog to seek out service providers in your area. Moreover, certain credit repair experts specialize in specific kinds of problems such as repayment or mortgage-related issues. If you have a particular problem that needs to be solved it would help to have a specialist who can handle the situation more efficiently and get you back up and running faster.

  • No Action Is Also Action

If you have just made a big transaction and you don’t plan on using your credit score for any major investment or expense any time soon it can help to just take no action at all. Credit scores change over time naturally because certain things on the credit report only stay on there for so long. Among the information that comes off your credit report naturally are late or missed payments. This kind of negative information will naturally be removed after 7 years from the day it occurred and was added to the report. Other bits of information such as Chapter 7 Bankruptcy can last 10 years. But that too will eventually come off. If you have time then use that to your advantage rather than spending money on something you don’t need.

  • Permanent Change

In order to improve your credit score, you will need to shift the balance between negative entries and positive entries. If you have a poor score then you need to add more positive entries to offset the impact of the negative ones. This will not happen quickly and it won’t be easy when you have a poor score to start off with. Credit repair is something you can get done once but if you continue to make poor financial decisions, it will continue to cost you. Improving your financial habits and exercising more discipline with how you manage credit is the best solution in the long run.


There is no single solution when it comes to repairing credit. Credit history is utilized by a wide cross-section of sectors and individuals alike. To repair it takes both time and effort on your part as well as on the part of any credit repair specialist whose services you may have to engage. Start small with your effort at repair and as your credit score improves you can start making bigger changes.

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