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Thoughts on Credit Repair

Remember, there are lots of reasons why your credit may be in rough shape. Most are related to your spending habits. So, for instance, if you missed a few payments or your debt levels are too high (think over 30% of your total available credit limits), disputing errors won’t help your case — you’ll have to make some changes to improve your credit scores. And you may have to wait a bit to see an uptick. Most negative information can take up to seven years to age off of your credit report, though the effects on your score will lessen over time, so long as no new blemishes emerge.

Remember, there are lots of reasons why your credit may be in rough shape. Most are related to your spending habits. So, for instance, if you missed a few payments or your debt levels are too high (think over 30% of your total available credit limits), disputing errors won’t help your case — you’ll have to make some changes to improve your credit scores. And you may have to wait a bit to see an uptick. Most negative information can take up to seven years to age off of your credit report, though the effects on your score will lessen over time, so long as no new blemishes emerge.

“Since every case and credit report is unique, no professional firm can ethically predict an exact outcome,”. “When picking a credit repair company to fix your bad credit, don’t ask about the future, but instead ask about what real clients have seen in the past.”

“Since every case and credit report is unique, no professional firm can ethically predict an exact outcome,”. “When picking a credit repair company to fix your bad credit, don’t ask about the future, but instead ask about what real clients have seen in the past.”