Do-it-yourself is the American ideal, starting with the pioneers carving their homes out of the wilderness. A resourceful individual, armed with basic tools and a little assistance from a manual, can rebuild anything from their kitchen to their credit report.
In fact, do-it-yourself credit repair was the original idea of the Fair Credit Reporting Act. Consumers who found an error on their credit report could contact the credit bureaus, challenge questionable items, the credit bureaus were supposed to listen and the listing would either be confirmed or deleted.
Like most good ideas, things got a little complicated, and what got lost was the idea of a simple process that anyone could execute to correct real errors. Which is how we ended up with the large industry that's grown up around credit repair.
It's true you don't need a credit repair company to fix your credit report for you. What you do need is time, patience, perseverance and, at the very least, some sort of guide to the maze the credit bureaus have erected.
Which is where a good do-it-yourself kit comes in. For a reasonable amount of money, a do-it-yourself kit can provide valuable help in conducting your credit repair campaign.
Recognizing a good DIY credit repair kit isn't difficult.
First, don't overspend. A good kit shouldn't cost more than $50. Be wary of "free" offers - they're usually worth what you pay for them.
Second, who's name is on the kit? Suze Orman's a media star with books, a TV show and a DIY credit repair kit charitably described as inadequate. Look instead for a kit from a company that understands the ins and outs of credit repair, and will actually teach you what you need to know.
Third, don't be fooled by slick packaging. Read about what's included in the kit. Do your homework - research the company.
Fourth, and most important, a DIY credit repair kit should serve as your guide to the process, showing you where the pitfalls and traps lie. A good DIY kit will take you by the hand and lead you through the specific steps to reach your credit goals.
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Bankruptcy Fraud?
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how is it possible, that a bankruptcy suit filed in my name, has been,counseled,heard by the judge, and dishcharged without me actually being involved??
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how to repair your credit rating as soon as possible when you have a score of 387
Drowning in debt!!
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We are 25,000 dollars in credit card debt. We make 90k/yr. I keep trying to pay down my debt. But I seem to get no where. What should I do? signed, concerned!!
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how can i get a loan with less than perfect credit
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how do you increase your credit score, and how long does it take after you pay bills off totally to get credit higher?
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should I trust my 401K invester? I was prompted to invest ,from the firm that has my 401K at work to invest in areas that he thought would be a good investment, but I have seen a loss each time I get a statement, should I trust them , do they get something out of it if I lose money?
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