You can attempt to fix your credit history alone but the fact is, you may not want to try to do it if you see a lot of fraudulent reporting on your credit history.  There are a few good services out there that do a great job and work really fast.

If you’ve tried to remove credit dings from your credit report yourself, you’ll probably agree that it can be done, but depending on your own experiences, you may find that it cannot be taken care of as easily as you may have initially thought. That’s why you might want to consider using a credit repair service. It can be easier to have someone else do it than to try and do it yourself.

You are probably thinking to yourself, if I can do this myself then why use a credit repair service and the reason is simple. You may not be able to get the kind of response you want as quickly as you could if you use outside resources. When you enlist the services of a legal team, you can find experience and knowledge working for you when it counts most.

The advantage to using a service is the familiarity that a credit repair service will have when it comes to cleaning up credit histories and dealing with reporting agencies. The Fair Credit Reporting Act was placed into effect to help consumers prevent faulty items from being reported on someone’s credit history but just like many laws out there, it isn’t designed to keep crooks at bay. It does allow consumers to catch the activity that’s reported and with the Fair Credit Reporting Act, the law becomes partial to the consumer. A credit repair service can help those individuals with credit problems work things out legally and they can help consumers do it quickly.

If you are a consumer with a lot of free time on your hands to work on your own credit, you may want to try to work out your credit history issues alone. However, if you don’t know about the FCRA and you don’t have any idea of how to simply correct the problems you find on your credit then you probably want to seek outside help. This way, you can deal with people who know what to do. You can leave the legwork to someone with experience and knowledge and in doing so, you are assured that your credit is in good hands and you are too. One of the best credit repair companies out there is a credit repair law firm call Lexington Law – They are a really solid company that gets the job done fast, and they only cost about $40/month. Click Here To Check Them Out.

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#1 – Ask For Forgiveness
A lot of people don’t do this enough, but they should. Here is the strategy… simply call the credit account that is reporting “less than favorable” info, and ask them to be cool and remove it.

This works really well for late payments, which can wreak havoc on your credit score.

Just call up the credit card company (or whoever) and explain to them that you just ordered a copy of your credit report and noticed that there was a reported late payment from you on it. Play dumb and ask when it was and have them get the info for you. Once they do, just be as polite as possible and explain times are tough right now, and it would help you immensely if there was any way they could get that removed – you’ll be surprised at how often this trick works.

Also, if it doesn’t work the first time – call back. A lot of times you are at the mercy of the rep on the other end of the phone line – if they are in a bad mood (or worse… a jerk), you’re in trouble! My strategy, call back and get someone else.

If that doesn’t work, I have a better strategy for you…

#2 – If All Else Fails – Get It Removed (Nuke It!)
What I am going to tell you is one of the most powerful strategies I can reveal to you about how to fix your credit fast. It is what I personally used to get my credit score where it is today from a 418, and I did it pretty darn fast once I figured this trick out.

Here is the deal – when it comes to the credit bureaus, the law is on our side. You see there is a law on the books that says that if someone requests proof of anything on their credit report (address, late payment, etc.) the credit bureaus have 30 days to provide that proof, or it gets removed – simple as that!

Now, this works really well because most of the time these big agencies do not have the time to track down some random credit card company you got a credit card from 3 years ago and get the proof that you didn’t pay them on time… instead, they just remove the late notice.

Maybe some of you have “read between the lines” here and realized that this strategy works with literally anything – charge-offs, repossessed vehicles, you name it.

The way to do this is with a dispute letter… I explain how to do this and give you a free letter to use in my free course (see below).

#3 – Pay Down Debt
If you don’t have anything too horrible on your credit report, one thing you need to be really aware of is how much of a credit limit you have compared to how much of a balance you are carrying.

The idea here is you want your current balance to stay below about 30% of the max for that line of credit. For example, if you have a credit card with a $1,000 limit on it, you don’t want to carry any more than about $300 on it for any period of time. Keep it paid down and your credit scores will thank you.

Another tip I give my clients is, if you have maxed out credit cards and any kind of money in the bank, you’d be better off paying down that 10%-20% credit card than saving that money at 3% in the bank… make sense? This kind of strategy keep your credit scores high, and your credit cards low – and if the “stuff” hits the fan, you still have the empty balance on that credit card to use in an emergency.

Those are 3 of my many strategies to get your credit scores high and keep them there. If you liked those strategies and want to learn more, as well as get sample credit dispute letters, please sign up for my 7 Day Credit Repair Boot Camp – It is totally FREE, and will help you get your credit scores back on track in no time!

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Good Luck  Getting Approved!

Dave Williams

It’s easy to wonder what-if. When you have bad credit or less than desirable credit, you are often left to wonder what would happen if you did something differently. Where would you be if you learned how to budget or what would be different about your credit life if you could only have better credit? It is worthy of consideration but more than thinking about things, you should learn to act on them and you can do this if you begin to plan ahead.

It’s easy to get side-tracked. If you think you aren’t going to be able to manage your budget or perhaps put one into effect to begin with, then the credit repair manual you want to find probably isn’t going to help you. In order to have excellent credit, it is an ongoing attempt to make sure you look good on paper.

In order to have good credit and to appeal to future creditors, you have to plan ahead. You have to be able to work diligently and try your best to have good credit from the beginning of your adult life. If you aren’t doing what you can to have good credit then it is easy to find yourself without it.

One of the things you must do in order to stay on top of your credit rating is pull your own credit. Yes! You need to pay attention to the things that show up on your credit. You have to know who is pulling your credit and why they’re pulling it. Do you have something that shows on your credit report as delinquent when in fact, it’s been paid off? Do you have something that doesn’t belong on your credit to begin with? These are just a few things to watch for but there are several ways you can improve your rating and your credit history just by becoming aware of the things that are documented on your credit report.

Whether you have good credit or bad credit currently, if you want to get the most out of your credit report and if you want to see to it that you look clean on paper, then you should always take the time to pull your own credit. You need to make the phone calls to clean it up if you find there are outstanding accounts on your credit history that don’t belong there.

When things become a little less than desirable for you and your credit gets you down, that’s not when you begin wishing for a magical credit repair manual. You are proactive beforehand because if you are proactive beforehand, then you can keep your credit in great condition and it is what you need to strive for when building up a good credit life!

Well, the good news is, you can get your credit repaired fast, the catch, what is fast?
When it comes to credit repair, there are a lot of options out there. But really, it kind of boils down to 2 distinctly different approaches… that is Do-it-yourself, or use a credit repair service. I know that seems simple, but isn’t that the case with most things when you really get down to “brass tacks?”

Anyway, as far as getting your credit repaired fast, both options can be very promising. In all my experiences in the credit repair world, I have found that using a solid, reputable law firm like Lexington Law to repair your credit, tends to yield the best (and fastest) results. To me, the best part about using a credit repair service, is you don’t have to get your hands dirty… they do all the work for you, you just sit back and watch your credit score skyrocket!

Conversely, you can do a pretty decent job of fast credit repair going the “do-it-yourself” route. A word to the wise – if you are going to repair your credit yourself, make sure to have an organizational plan before doing so… I talk about this quite a bit in my eCourse as it is usually the downfall for most people. They tend to get overwhelmed with paperwork and follow-ups. One system that I have found works extremely well is the Credit Secrets Bible – If you were to follow this guide “to a T” you can’t go wrong, and you should see the kind of results you are after…

Listen, I am not going to lie to you, credit repair can be tough, but if you follow some sage advice and keep at it, you should be able tosee your score rise by 25, 50, even 100 points in no time.