About Credit Repair

Why Credit Repair?

The main reason for doing credit repair is to improve your credit and raise your scores. The most significant improvements will occur with those with poor credit, but if you have decent credit you may still get impressive results. Credit scores determine the interest rate you receive on financing, leasing, even insurance… Everyone can benefit from higher credit scores.

What Does Credit Repair Do?

Credit repair will address anything that contributes to your credit and it’s score. The process will include sending dispute letters to the credit bureaus to repair damaging information from reporting. Basic information in your credit profile should be addressed as well; if you do not have the accounts you need to develop higher scores a good credit repair service should provide you with the guidance and assistance to rebuild your credit to insure the best outcome. And finally, you may benefit from appropriate score optimization tips. Credit Repair can help but having good trade lines and knowing how information hurts or helps your scores is infinitely valuable.

Do it yourself?

Just like anything else with proper information and knowledge you can do it yourself. If you want to re-wire your electricity in your home go ahead...we just don’t recommend it. Your local hardware store may have a “do it yourself roofing guide” but we don’t recommend it. Here is why; you must have an understanding of the Fair Credit Reporting Act as well as knowledge of the way the Fair Isaac FICO score works. And if you have any collections on your credit report you will need to understand the Fair Debt Collection Practices Act and your state statutes of limitation. In addition to the extensive knowledge you must have in order to repair your credit you must also know how Transunion, Experian, and Equifax work. These agencies have in house resources to protect and will do anything and everything they can to prevent you from effectively removing items from your report; if you don’t do it right the first time they may lock you out of attempting it again. You are better off to hire a professional like Griffin Credit to do the repair for you.