Credit repair is serious business. I’m sure you already know that, and so do thousands of companies vying for your bottom dollar online. Some of them make pretty far-out promises – a quick look at some of the hits for “credit repair companies” on Google brings up results for some companies that guarantee permanent results for your report. They’re basically saying all your problems will be taken care of – FOREVER – if you just pick their service. Boy, I wish my fairy godmother would fix all my problems whenever I charged myself into a corner…
Sorry if I’m the one to break it to you, but no matter what some credit repair companies may say, there is no such thing as a quick fix for your credit problems, let alone a PERMANENT one. Think of your credit like a baby: it requires constant care, attention, and one wrong move can leave you with a diaper full of crap. And, like that little bundle of joy, the only one who can really take care of your credit is you.
While it is certainly advisable to consult a firm for advice when looking to clean up your report — like you would consult a baby names book if the best you can come up with is Shiloh — finding the right one can be tricky. Generally, it’s a good idea to keep away from any company that guarantees you results of any kind. Nothing is certain when it comes to re, and anyone who tells you they can make all your problems go away permanently is outright wrong.
If you do need help, and who doesn’t with all the laws and acronyms floating around on the subject, your best bet is looking into any company that doesn’t just offer credit repair, but services that offer pay for deletion negotiations on outstanding debt accounts as well. Any credit repair company that offers to help you pay down your debts in addition to checking into your credit accounts is a real help, as any outstanding accounts you have on your report probably won’t be resolved with a simple dispute letter. Just make sure you keep an eye on them as well, as most companies charge a monthly fee for their services and some have the nasty habit of neglecting to keep in constant contact with you.
Sure it seems like navigating the web for the right credit repair company is like stepping into an online minefield, finding one that works for you can mean all the difference. Stay diligent, keep an eye on your report — and anyone you paid to eye it for you — and you just might make it out of this with your good name intact. Unless it’s Shiloh, that is.
