Credit Repair BattlePlan

Hasn’t your bad credit cost you enough already?

Do credit repair companies REALLY work?

Unfortunately there are many unscrupulous credit repair companies who claim to be able to remove any and all negative credit with the click of a mouse. Their advertisements make bold claims: “Remove bankruptcy, foreclosures, IRS tax liens, judgments … no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!” Can they honestly make such sweeping claims?

While many credit repair companies are outright frauds, there are a few that are not fraudulent and they use the the federally mandated dispute process to obtain impressive results. In fact, they cause the deletion of thousands of negative credit items every day. There is one company who has been doing it quite successfully for over 15 years.

Obviously it’s risky to trust just anyone who claims to provide consumer credit repair to help you restore your credit. It is estimated that fraudulent credit repair companies have bilked Americans out of more than fifty million dollars. In the 1990’s, the majority of credit repair companies were started by entrepreneurs with a penchant for marketing. Consumers have flocked to these “credit doctors” only to discover that their advertisements proved far more impressive than their results. Hiring an unproven credit repair company is like playing Russian roulette. A few of them are effective and legitimate, but it is difficult to tell a rip-off from the real article unless you look at their track record and satisfied clientele.

Can credit repair companies guarantee results?

Not if they are legitimate! Just as any competent attorney would never guarantee a particular jury decision, no competent, legitimate credit repair company can guarantee a specific outcome either. It would be like a defense lawyer guaranteeing that the jury will find his client innocent. Guarantees are a sure sign of credit repair fraud. A warranty however, where the credit repair company promises a refund if certain results don’t occur, is a better, more realistic claim.

What Do The Credit Bureaus Have To Say?

Not surprisingly, the credit bureaus have declared outright war against credit repair companies and those selling instructional do-it-yourself credit repair information. The bureaus blast credit repair companies in the media and send anti credit repair literature to anyone whom they suspect of using credit repair services. The bureaus unflinchingly deny that accurate information can be removed from a credit report.

The simple truth is that you do not have to endure bad credit for seven to ten years as long as you feel comfortable challenging the accuracy or verifiability of the negative or derogatory items on your credit reports. If so, it is possible to restore creditworthiness within a much shorter time.

However you decide to address your credit challenges, realize that regardless of what you may hear in the news media, hundreds of thousands of people before you have sought help and restored their credit. They can show you their homes, cars, and credit cards. Despite the newspaper articles, TV reports, and other credit bureau propaganda to the contrary, the simple truth remains: you CAN restore your credit.

Learn How Now

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