Help

If you have ever shopped credit repair, you know it is not cheap. Credit repair companies and attorneys will charge a minimum of 0, and most of them charge fees that are closer to 00. There are a lot of loan officers that will refer you to a credit repair company because the loan officer receives a “referral fee” for sending you to that company. I know this from experience because I get emails everyday from different credit repair companies asking me to refer my clients with bad credit to them.

Many times when I have gotten these emails I have called the company to ask them what they charge. Typically, the fee is is around 0 for an individual or 0 for a couple. Other services charge a very small initial fee (a two-digit figure!) and then another two-digit figure every month-but they don’t tell you how many months you’ll have to pay it for. Another company I called charges 00 to dispute the first four items, and if you want to dispute more, they require you to cut off your arm and send it to them with a couple shirts off your back too. (Just kidding on that last one. But the first part is true!) If you want to dispute more than four items, the fee goes up proportionally. It’s not uncommon for a person to need to dispute 10, 20, or even 30 items on their credit report, so you can see how this will add up to an enormous bill when it’s all said and done.

Self Credit Repair = Free Credit Repair

The main reason the average consumer doesn’t do their own credit disputing is because most consumers don’t realize how simple it really is to do on their own. Most people look at their credit report and they see Greek. How can they possibly interpret all that code, and once they do, how will they know what items need to create credit dispute letters for?

Here is the best hint I can give you: get your loan officer to help you and save yourself a lot of time and research.

Most loan officers understand how to repair bad credit, and most of them are well aware that the best credit repair process is doing it yourself. You need to find a loan officer who will help you. They are out there. I have talked with plenty of loan officers that have been helping their clients for years by simply reviewing their clients’ credit reports with them and helping them get an idea of what sorts of things they should dispute. They can walk you through this in just a few minutes.

Loan officers who push their customers to a credit repair company so they can make a referral fee are not looking out for their customers’ best interests. Find one who is willing to invest a few minutes in helping you interpret your credit report. You may be surprised to find out how many of them are willing to help if you just ask.

Once the work of interpreting your credit report is done, the rest is simple. It’s just a matter of finding a good credit sample letter on line to create your own personalized credit repair letters from. Then send them out to appropriate credit reporting bureau(s), and await the results.

Now Pay Close Attention –

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