Cheap credit repair is on the minds of many people these days. You see different commercials about credit scores, cheap credit repairs, and even a credit fix score. It’s just crazy these days, and makes you wonder just how many of these companies are legitimate. Which ones are scams? The thing is that many people get into trouble over credit, and need cheap credit repair. It is easy to get in over your head. Credit card companies inundate people with flyers all the time, with enticements like, ‘You have been pre-approved’, ‘lowest interest rates,’ and many others. I personally don’t recommend going with one of these credit repair companies, but if you must, there are some things you should consider.
You need to know about what credit is, and how to properly use it before you end up needing cheap credit repair, but that isn’t typically how life works, is it? They didn’t teach thsi s#!% when I was in high school and I doubt that they do now, so for the parents out there: please educate your children! That is, after all, what the wealthy do. How do you think generation after generation the rich stay wealthy?
Anyways, it’s important to understand that credit is NOT the same as debit, and it’s not free cash. Young people are the most vulnerable, because in many cases, their parents never taught them about using credit wisely. The most important thing about credit is that this is a promise to pay, pay the amount that you charge on the card. If you don’t pay, on time, then you are going to be charged massive fees. This is where the need for credit repair begins. You also have to realize that even if you are trying to pay your credit cards down, paying just the minimum amount is not the way to go.
For me cheap credit repair started with going to annualcreditreport.com/free. That is actually where I got my very first credit report several years ago. (AAAHHH the memories). Down the road, or even sooner if you sign up for my eCouse, I will explain the BEST way to get your credit report free, AND WHY! WHYYY…?
Because you need a good credit scores range that gives you reassurance when walking on that car lot. As mentioned earlier, it is best to pay much more than the minimum requirements. This is because of the interest applied to what you owe every month. Half or more of what your smallest payment is going towards interest. It is also important to pay extra in between billing periods, because these payments are applied directly to the principal you owe.
This is information that I usually save for my subscribers, but…You can do cheap credit repair on your own, by disputing errors. You may be wondering,” How do I dispute items?”My credit report, would not be nearly as distinguished, had it not been for for me disputing SIMPLE errors that were displayed.
If you stick to your plan based off of my advice, you will find that you can do cheap credit repair on your own, but if you sign up for my eCourse, I will turn you into a ravaging Pitt bull, begging creditors nearby to invade your space! While it may not have taken a lot of time to get into debt, it will take time to get out of it. This is one of the problems with a lot of companies offering cheap credit repair. They make it seem like your problems will be solved magically overnight. There are a lot of different cheap credit repair scams out there.
Here are a few tips to look for when it comes to cheap credit repair and credit fix score scams. One is that if a company offers debt consolidation, and wants you to stop paying on your cards, avoid these at all costs. This is going to mess up you credit even more, and make credit card companies even angrier. In many cases, these companies want you to pay them, then they split up the payments over all you debt. This is even worse, because you’re not even making minimum monthly payments to all credit cards. With credit fix score companies and websites, watch out for that offer of a ‘free’ credit score. They lure you in with the word free, but you have to sign up for their service. What many people don’t know is that you can request in writing your completely free credit score each year, from the three major credit reports. You just have to request it in writing to each company. If you want a good credit fix site that IS completely free, try CreditKarma.com.
While they don’t actually offer cheap credit repair, they are a credit repairing report website. They offer much more than this though. They show what your current score is with the three major credit-scoring companies. They offer many helpful tips and advice on cheap credit repair, as well as show you what credit rebuilding credit cards are available. It also lists all the debt you have, credit cards, loans, and mortgage payments, etc. It also answers questions like, “How do I repair my credit?”, so you can start managing your credit right away. One of the best parts about this credit fix score website is that it’s completely free. One of the many services they offer is to recalculate your credit cards, and gives you a list of companies offering cheaper interest rates, so you can decide for yourself which cards are better than the ones you may currently have.
Everyone needs cheap credit repair now and then, but it is important to know that you can do it on your own. You just need to be committed to doing it. You can find a good credit fix score website, one that is going to work in your best interest. For more bad credit busting awesomeness, sign up for my free eCourse below!