Ok, so let me get to the point of why I would devote one blog post to this subject. If you have collections on your credit report that show a balance even though you have paid them off, they are obviously hurting your credit profile. On top of that, if you have collections on your credit report that you have paid off and they show no balance they often report with a bad ‘rating’.
For those of you who are on the fence as to whether to undertake this on your own or to pay someone else to do what you can do yourself, consider this: the fact is that many people pay money for services they lack experience or the time to perform. That’s why many people choose to go with the credit repair services. However, we know you can do this on your own. There’s no reason to be intimidated, and there’s no reason to spend hundreds (if not more) for credit repair services.
When you undertake credit repair there are two sides to the coin. First, the stuff on your credit report and second, the stuff you need on your credit report. Basically, if you have a lot of negative items on your report and very little good items on your report you have to look at both [...full post]
I think you could compare it to changing your oil vs fixing your transmission. You can change the oil in your car if you have the right tools. Unless you are a transmission mechanic you are not going to fix your transmission even if you have the right tools.
You can be the credit expert. Credit is really common sense. If you don’t pay bills, you have to suffer consequences. The consequence is ‘bad credit’. You can answer the questions you are asking about what to do about it. But you might need to know some of the questions. Let me explain. To repair [...full post]
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