by: Adam Tijerina
The chances are good that if you deal with credit on a regular basis eventually you are going to get into a little bit of hot water financially. Don't be ashamed it happens to many a credit card owner, we just get carried away with all of the things we can buy. The problem is that this can hurt our credit rating and then when we need good credit to buy a car or a house it is not there.
So what can we do about it? Well, many people take the step of actually listening to the ads that they see on TV and get in the mail. The ones that tell you that they can give you a whole new credit identity or that they can erase any blemishes on your credit report.
It sounds great, if only it were possible, legally that is. If you want to repair your credit you are going to have to do it the old fashioned way. And this way will take some time, effort and patience. There is no overnight quick fix.
In the meantime you can keep an eye out for these tricksters. Once you are aware of them and the games they are trying to play with you, you will be better able to avoid them all together.
It is possible that one of these services can get rid of some of the bad marks you have but only if they are errors on your report. There is nothing that they can do for the true ones. And for that matter you could have taken care of the erroneous ones with a simple call to your creditor. It is certainly not something you need to be paying others to do for you when you can repair your credit yourself.
One of the top things to keep in mind when talking to these scam artists is that it is never in your best interest to get a new credit identity. Do you know why? I will tell you; because it is illegal! These guys will tell you to apply for a federal ID number and then use it in place of your Social Security Number on the credit applications. If you follow their advice you will find yourself on the wrong side of the sliding metal door. It is a federal offense to lie to the government about why it is you need an ID number. And do you know what else? They will not even get so much as a slap on the wrist because it was you that committed fraud, not them.
Yet another good way to tell if the credit repair company is legitimate or not is if they want you to sign a contract with them. The good ones will never pressure you and they will not ask you for any up front fees. Many of the less trustworthy services will expect you to pay hefty fees before they do any of the work. Beware for these guys because many of them will disappear, just like that.
A credit repair service that is out for your best interest will never pressure you into anything and they will even give you three days to change your mind after signing. After all that is the law, though many bad services do not feel the need to let clients know this.
The thing about bad credit is, if you deserve the bad credit because you have been careless in the past, it is not going to go away overnight. No matter how good the credit repair service you choose is, it will take some time and some serious strategizing. But the good news is that it is not hard and you can repair your credit and you can do it if you just work at it!