Credit Repair :: can you do it yourself?

I often get asked the question, "can I do credit repair myself?". The answer to this question is very simply, "Yes". You can do anything that a credit repair company will do on your behalf, all by yourself. However, the real question is, "Do you know how???". The actual process of repairing your credit is quite complicated, and requires a good deal of knowledge about your rights, the process and inner workings of credit and credit reporting. And, here is the big one... it requires a great deal of patience and follow-through.

Most who venture to do it on their own get discouraged after a short period of time, get little to no positive results, and often end up doing more harm than good. My recommendation is that if you do not have an expert knowledge of credit, and fully understand credit reporting and the credit bureaus, as well as understand your rights under the FCRA (Fair Credit Reporting Act), FDCPA (Fair Debt Collection Practices Act), etc., You should hire a competent credit repair company to do the work for you.

Do your homework when it comes to hiring a credit repair company. Many who follow my articles, know that there is only one company that I recommend, NCA Credit Repair (www.ncaCreditRepair.com). I recommend them because their payment model is based 100% on results. This means that you only pay for success. If they cannot or don't make any improvements for you, you pay nothing for the efforts they put in.