First, let me start off by saying, I have tried both.
I've disputed the negatives on my credit report and I've hired to a credit repair service to do it for me.
These were at two different times and I would never recommend doing this at the same time, unless you want to sabotage yourself.
Do it yourself credit repair involves knowing the ins and outs of the Fair Credit Reporting Act (FCRA) and how to apply it in removing the negative items off your credit report.
This is ideal for anyone that changes their own oil or does their own taxes.
It takes a mindset that you can do it as good as the big company, but at a fraction of the cost.
Do-It-Yourself Credit Repair Pros:
This is more the people that hire the handyman to fix the roof or have a financial planner for their budget.
Credit Restoration Service's Pros:
Anyway you look at it, you need to do your research and decide for yourself.
Good luck.
I've disputed the negatives on my credit report and I've hired to a credit repair service to do it for me.
These were at two different times and I would never recommend doing this at the same time, unless you want to sabotage yourself.
Do it yourself credit repair involves knowing the ins and outs of the Fair Credit Reporting Act (FCRA) and how to apply it in removing the negative items off your credit report.
This is ideal for anyone that changes their own oil or does their own taxes.
It takes a mindset that you can do it as good as the big company, but at a fraction of the cost.
Do-It-Yourself Credit Repair Pros:
- Minimal Cost - This would have to be the biggest pro, besides the cost of minor things like paper and postage.
- Reassurance - You know the work has been done and has been done the way you want.
- Knowledge - To do it yourself it forces you to know what is going on with your credit reports.
This will take some research, but you know what you are doing, you hope.
This is more the people that hire the handyman to fix the roof or have a financial planner for their budget.
Credit Restoration Service's Pros:
- Experts - Going with an known and respected company can assure you that you have people that have done it before.
This isn't a trial run, but people that do this for a living are working on your credit report. - Timely Manner - It can take a lot of your own time to do it yourself.
How much is your time worth? Credit repair service can get your disputes in and out the door with in the same day every time. - Proven Results - It's kind of hard to know what you going to get if you haven't done it before.
See what results a company has had and see if they can remove the items you need removed.
Anyway you look at it, you need to do your research and decide for yourself.
Good luck.
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