Credit repair works! You can do it yourself, or you can hire a trustworthy credit repair company. Research reveals big differences between credit repair companies. Some focus on sending dispute letters, others blend disputes with additional services designed to improve your scores. If you are going to hire a credit repair company you want results. You also want dependable service and a good value. The following lists many of the important factors that go into the choice of a credit repair company.

Did you know that the average American's Credit Score is 677. If you could raise your credit score just to 720 it could save you hundreds of dollars per month on house, car and credit card payments!

Many of these services are free, secure, and only takes minutes to complete. This will give you a good starting point in repairing your credit. Already know you want a reputable credit repair company working to repair your credit? Educate yourself about legal credit repair.

The three major national credit reporting agencies, also called Consumer Reporting Agencies (CRAs), are not government agencies. They are for profit, multi-million dollar national credit corporations that gather and sell your private personal credit information to creditors, insurers, employers, landlords, and companies that solicit you for credit and insurance offers.

They also sell your credit history information to telemarketing and mailing list companies, without your permission and in most cases without your knowledge! They admit that errors occur on consumer credit reports, but they do nothing to correct them.

If they really cared what they reported, they could send everyone a copy of his or her credit report once a year and ASK if everything is right! But they don't. Instead they report whatever they want and make the consumer “prove” that the credit report is inaccurate.

They are “sponsored” by major banks and lending companies, and the way they keep their sponsorship is by collecting money for the sponsors! They may say they work for you, but we all know in the end, we all work for whoever pays the bills. Many say that they are nothing but collections agencies, sponsored by your lenders and creditors.

A 2005 amendment of the Fair Credit Reporting Act enables every American to request copies of their credit reports from each of the CRAs every twelve months FOR FREE! Learn more about this law and how to order your free credit reports. Becoming credit smart if the smart first step to take when considering credit repair programs and services. Understand how knowing the facts is the first step to solving your credit problems!

Understand exactly what credit is and why a good credit history is important. With sound debt management plans you can better your financial situation substantially. Debt help can come in a variety of ways, it can be forms of debt settlement or debt consolidation techniques. Regardless if you are having difficulty with your debt you may want to inquire because it can be a great addition to just credit repair on its own.

Please note that services featured on many websites are not available in all areas. If you have any questions about credit services, please contact us. All feedback is appreciated. Free online credit evaluations and programs can be good start for credit repair. It is good to understand what to look for before paying for credit repair services.