Credit Builders Inc.

Fixing your broken credit is about as enjoyable as cleaning out your sewer lines weeding a briar patch. However, once you finally decide you’ve suffered enough and want to repair your credit, you have a couple of choices.

First, you can do it yourself. Second, you can hire a credit attorney. For all you “do-it-yourselfers” it is mighty tempting to try it on your own. After all, it is much cheaper, right?

First, there is a great deal of legalese you need to learn when fixing your credit. For instance you will have to learn your rights under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and so on.

If you are not the kind of person who likes to do legal research in your free time, or don’t have patience for translating wordy statutes and confusing case precedent, then this might not be for you. But if you are determined enough to plow through the stacks of law books, then you should expect to spend at least a a few Saturday afternoons researching applicable credit laws.

Once you have waded through the stacks of law books and thoroughly irritated your local librarian, you will need to draft a good dispute letter. Even if you have some decent writing chops, this type of letter takes a unique method to be effective.

For example, the credit bureaus are trained to be on the lookout for those people trying do it yourself credit repair. They can easily spot the dispute letters written by amateurs. This can be a problem since credit bureaus are infamous for ignoring badly written dispute letters.

Next, you need to travel to the nearest post office and stand in line so that your letters are all certified. This is time consuming and quite costly. If you send three letters for each round of disputes, you are looking at paying about ten dollars per dispute.

Plus, mailing out a letter via certified receipt is an all consuming process. Wouldn’t you prefer to spend that time planning a vacation or relaxing during your lunch break at work?

Disputing your credit without the help of an attorney takes a great deal of organization. Assuming you are trying to remove more than a single bad credit item, you will have to stay on top of the progress of your case. To make sure the bureaus or creditors did not ignore your dispute, you will need to create a spreadsheet to track the results of each dispute and negotiation.

Does this sound overwhelming? Do it yourself credit correction is overwhelming and intimidating especially if you are not highly organized. So, unless you are dedicated to becoming an expert in the federal statutes, the issue is not can you afford credit repair services, but rather can you afford NOT to seek help from an affordable qualified attorney.