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Credit repair companies make seemingly outlandish and unbelievable claims such as “Get A 720 Credit Score in 30 Days” or “Erase Your Bad Credit in 2 Weeks – Guaranteed!” You don’t have to look very far to find a scam artist looking to rip people off with the promise of a credit score magic wand.However, just because there are companies preying on consumers with damaged credit, does that really mean that all credit repair companies are scams? Depending on whom you ask, the answer you’re going to get will either be a resounding “yes!” or an even more resounding “not at all!”
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Credit repair services can’t perform magic, and they can’t do anything that you can’t do yourself. What they can do is take steps to ensure that your credit reports are completely accurate, giving you the best possible credit score for your situation. They won’t be able to erase your debts or remove valid negative items from your reports.
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Just because you can do something on your own does not always mean that doing so is the right choice. You might believe that doing your own credit repair is the only logical choice. Not so fast. Remember, disputing inaccurate accounts with the credit reporting agencies is inexpensive but it can be a tedious, annoying process.
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If you’re not comfortable navigating through credit reports, checking with creditors and lenders, and disputing items with credit bureaus, a credit repair service might be right for you. This process can also take up quite a bit of time, so hiring a service might be your only choice if you don’t have a lot of free time to devote.