If you have bad or troubled credit and are considering making a large purchase like a car or home soon you should start thinking about fixing your and improving your fico score.
There are generally two ways to fix your FICO score and that is with a credit repair company or with a credit repair kit.
Professional Repair Companies Everyone has heard of or seen some sort of advertisement for a credit repair company.
Many of them promise to remove all negative information including bankruptcies, foreclosures and improve your FICO score at the same time.
But what they often fail to advertise is the high fees they charge upfront or the on going monthly cost you must pay to keep the service active.
Stop and think about it for a second, why would a company that you are paying monthly want to fix your problems in 30 days when they can drag it out longer and get paid more? When it comes down to it the main thing that the vast majority ofthese companies care about is making a profit from you not actually fixing your problems.
Do It Yourself Self Credit Repair Kits There are many self credit reportrepair kits available for under $100 that can help you do exactly what thecompanies charge hundreds to thousands of dollars for.
But not all of these kits are created the same or will get you the same results.
Many of these kits can be downloaded right to your computer in seconds.
What Should a Self Credit Repair Kit Contain A good self repair system should contain up to date information on the current rules for credit repair in America.
It should also contain templates for the dispute letters you will be sending as well as a step by step plan of action for you to take.
Besides just helping you improve your FICO score a good self credit repair kit should also give you a list of resources and methods to establishing new accounts even with troubled credit or low FICO score.
But most importantly any credit reportrepair kit you purchase should offer a money back guarantee so you are not going to lose your money if the system does not work for you.
There are generally two ways to fix your FICO score and that is with a credit repair company or with a credit repair kit.
Professional Repair Companies Everyone has heard of or seen some sort of advertisement for a credit repair company.
Many of them promise to remove all negative information including bankruptcies, foreclosures and improve your FICO score at the same time.
But what they often fail to advertise is the high fees they charge upfront or the on going monthly cost you must pay to keep the service active.
Stop and think about it for a second, why would a company that you are paying monthly want to fix your problems in 30 days when they can drag it out longer and get paid more? When it comes down to it the main thing that the vast majority ofthese companies care about is making a profit from you not actually fixing your problems.
Do It Yourself Self Credit Repair Kits There are many self credit reportrepair kits available for under $100 that can help you do exactly what thecompanies charge hundreds to thousands of dollars for.
But not all of these kits are created the same or will get you the same results.
Many of these kits can be downloaded right to your computer in seconds.
What Should a Self Credit Repair Kit Contain A good self repair system should contain up to date information on the current rules for credit repair in America.
It should also contain templates for the dispute letters you will be sending as well as a step by step plan of action for you to take.
Besides just helping you improve your FICO score a good self credit repair kit should also give you a list of resources and methods to establishing new accounts even with troubled credit or low FICO score.
But most importantly any credit reportrepair kit you purchase should offer a money back guarantee so you are not going to lose your money if the system does not work for you.
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