There are four ways to fix your credit, and the following they are, from worst to best:

It's tempting to simply pay a business to "do the work for you," but all credit score repair services (that includes law firms) have two dirty tiny secrets they do not want you to know.

First, since they charge monthly for their service, they make far more money--up to $2,000-- if they deliberately drag out the process, that is certainly why they often take two or three years.

Second, you genuinely wind up creating A lot more work than in case you did it yourself. As well as dozens of forms, the credit score repair support requires YOU to personally pick which products and solutions to dispute, how to dispute them, and you have to usually send them data that the credit score bureaus send you.

This is like the wolf instructing the sheep. The credit score bureaus are not your friends. This procedure costs nothing, but you get what you pay for. Do not do it.

There are hundreds of these programs available, but they're out of date. If you are quite organized and have a lot of free time available, the method these books describe will work relatively well. . . eventually.

There are many companies that offer credit score repair application (not just an e-book). Though some are rip-offs (clue: unprofessional-looking websites), many credit score repair application products and solutions combine the best of all worlds: simplicity, low price, and fast results.