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Shall you hire a Credit Repair Company?

If you have a bad credit score and at the same time, you have no idea how to raise your numbers fast, you should seek professional help. However, when you are working with a credit repair company, keep in mind that there is nothing called fast credit repair services. No one can raise your score with the snap of a finger. If there is some accurate negative information on your credit report, it is going to stay there for a specific span of time.


If there is some information that should not be there on your credit report, the credit repair company can write to credit bureaus to remove that information. Even you can initiate a 30-days investigation by disputing errors and inaccurate information with the credit bureaus.

However, this is not the only step you or a credit repair company can take to fix your broken credit record. Improving your credit score is a two-step process.

Removing information taking a toll on your credit 

You can remove errors and inaccurate information by filing a dispute with the credit bureaus. You may not need to work with a credit repair company in this case.

However, it is also possible to remove some accurate negative entries such as a late payment. Write a letter to the creditor who has reported that late payment. Request him to direct all the three credit bureaus to remove that accurate negative information.

You may not be in the good books of the creditor you have not paid on time. This is where a credit repair company comes into play. A professional from that company can negotiate with that creditor and request to remove late payments.

Removal of inaccurate or accurate negative information helps in increasing your credit score.

Adding new positive information in your credit report 

In the second step, you or the credit repair company can add new positive information in your credit report.

Start paying your bills on time. Show creditors that you are managing your finances well. Avoid paying late. Don't settle an account for less. Utilities, phone bills, rent, student loans, make all these payments on time. Make sure that this information is being reported. Keep your credit card balances low. 

You can also apply for a new credit card. You should let a credit repair company help you in choosing the right credit card. Applying for too many credit cards adds hard inquiries on your credit report. You can also become an authorized user with someone having a credit score. Self-help can improve your credit score. However, you can achieve better results when you are working with a credit repair company. 

Choose a credit repair company offering excellent credit repair customer service. Credit repair is a long process. If you want to keep track of the progress, choose a company with reliable credit repair customer services.

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