What is credit repair? What does it mean? Who would need it… and why would we want it? In this article we are going to take a quick and insightful look at credit repair, and see if we can’t shine a bright and insightful light on the industry overall. Curious to know more? Great… continue reading as we take a closer look below.

What does credit repair mean?

Good question! It’s the simple process of “fixing” one’s credit by using the available consumer credit laws to facilitate the removal of negative items. The law most frequently used (and cited) is the Fair Credit Reporting Act (usually called the FCRA) and all of the amendments and revisions made to this law over the last several decades. (almost exclusive in favor of the CONSUMER… which is a good thing..:-)

Is credit repair legal?

Absolutely. And the law above guarantees it as well. The simple truth is that while there are many unscrupulous people on BOTH sides of the credit fence (lenders, vendors and repair agencies alike) the fundamental right to challenge, dispute and REMOVE items from your report is 100% legal, kosher and above board to boot!

Why does the credit fix business have such a bad name?

The truth? Because there is so much money on ALL sides. And because credit is such an important commodity in so many ways… that opportunistic people of all types and stripes have sought out to take advantage of the credit challenged. This includes predatory lenders…as well as credit repair “clinics” that often promise to “fix” your credit overnight, using methods that are questionable at best… outright illegal at worst.

Is credit restoration even possible?

Yes, without question. As a matter of fact, I’ve personally used a variety of very simple, very straightforward and very successful credit repair strategies on my own reports, on MORE than one occasion. (and giving myself “A” credit in less than 4 months, when it started off as a “D”… or even an “F” on more than one occasion) The credit laws are set up, believe it or not to FAVOR you and I, and without question, now is the very BEST time to learn how to fix your credit in a pinch!


Click Here to START Correcting your Credit for Free!  NEVER spend another penny on professional credit repair again…..=====>  Get a Great Credit Score From Home!
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