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August 09 2012


Credit repair san antonio

credit repair san antonio

Credit improvement - Fact or fiction?

These days of television and internet it is rather difficult sometimes to decipher truth from fiction. Also, as a result of speed where information travels word gets around at an astonishing rate (whether bad or good). Some of those subjects who have gotten negative press lately has been the credit repair industry.

Credit repair san antonio
You've probably heard things such as, "Start a fresh credit profile today!", or "Improve your FICO by 300 points!". But, you've got also heard many negative things. Many of them related to the above sayings above. First, I would like to separate fact from fiction.


You can repair your personal credit. You can even hire someone to help you repair your credit. But i want to explain the real difference between the two. First, getting a specialist cost you hundreds or even thousands of dollars with "no guarantee" that anything will be fixed. Also, there were many so-called specialist offering illegal repair information!

The fact is that perhaps you will be asked to dispute everything in your credit profile as erroneous. Now, 80% of knowledge reported towards the three major credit reporting agencies (Trans Union, Experian, & Equifax) is erroneous information. But, in line with the FTC this can be fraud, which can be against the law.

The simple truth is you do not need a credit repair company or any specialist within an industry (legal or else) that will help you repair your own credit. You've got within your hand a chance to self fix your credit score. With only a small-time investment it is possible to repair your personal credit.

Repair Myth

The myth is straightforward, that you cannot repair your own personal credit. It has been a myth perpetuated by unethical folks who suffer from marred the credit repair industry. Are typical credit repair specialist similar to this? No, they're not. Some are very professional, courteous and honest. They just don't ask for funds ahead of the repair has had place and can assist you with your credit improvement needs.

However, you can repair your own credit. There has been recorded instances of credit restoration businesses telling their clients never to go directly to the financing bureaus (when it's your to do this). It is also your right (in line with the FTC) to receive a totally free annual credit report (of three major bureaus).

As you can tell, you will find excellent resources available (straight from the government Trade Commission) to help you within your credit repair needs.

Credit Truth

To conclude, you will find the to repair your own credit. Repair isn't fiction or myth, but truth that will change your life for the better.
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