I desperately needed credit repair.
My credit stunk. It had for many years. I didn't know that
credit repair was actually possible. A 10 year old bankruptcy
still showed on my credit reports, as did all the store accounts
that I hadn't been able to pay off. Add to that a couple of
hospital bills for mega bucks, a judgement, and a mess of
incorrect items, and you can see what I was up against.Getting a
mortgage or a loan or a credit card was darn near impossible,
and if I was successful the interest rates were out of this
world.
I thought I had found the answer when I subscribed to a company
that taught how to repair your own credit. They had all the
letters you needed to send to the credit reporting agencies.
"All you had to do" was to mail letters every month, over and
over, keep meticulous records, and you were guaranteed an
"improved" credit report in a couple years. I sent the letters,
got letters back from the reporting agencies saying that they
weren't going to remove the items, and I sent off a second
letter to the, then a third. No results.
Let me tell you, this was very time consuming, frustrating,
confusing and after about five months, I gave up and decided
that my credit was always going to be the pits. Every month I
spent many hours reviewing where I was ad where I was supposed
to be going, credit-wise. And every month I had a $39
subscription bill to pay, and I was doing all the work, and
getting nowhere.
About a year went by and then I found something while I was
surfing that I thought might actually work. It was an attorney
group that specialized in repairing credit. Immediately I
thought, well this has to be big bucks. I mean, these are
attorneys, right? But the fee was just $29 a month, and they
guaranteed to repair my credit without much input from me.
Every three months I would submit a new trimerged credit report
so they could see how they were doing repairing my credit. That
wasn't very expensive, and it was fun to see what was happening
to my credit scores.
This wonderful attorney group managed to remove 18 items from
my report in just 3 months. I was amazed at the results, as
SEARS and MASTERCARD and others were removed from my reports.
The bankruptcy and the judgement disappeared, too. (I had paid
those two off a while before, but couldn't get them off my
credit report!)
I stayed with them for a year, and now I have incredibly GOOD
credit. It was easy, not time consuming, inexpensive and, best
of all, it worked! Worth every penny. I was able to refinance my
mortgage afterwards and get a rate 2.5 points cheaper than the
old one, at a time when mortgage rates were actually rising.
If you need credit repair, you can go the do-it-yourself way,
and drive yourself nuts for no results, or you can do what I did
and find an attorney group that specializes in repairing your
credit. It really can be done at a cost you can handle!
About the author:
Amy Hutton writes on many different topics. Visit her site at
http://1betterbyte.com/creditattorneys.html
