We know people may feel overwhelmed with the credit repair process and want to ask a live person a question if they get stumped. If you do, we recommend . We've had a relationship with them since 2010 and we have visited their corporate office. They offer a FREE initial Credit Consultation (which also includes a Credit Report Summary and Credit Score) and they use the same ethical credit repair techniques we talk about on our website.
Since this one item (credit utilization) is worth 30% of your credit score, it’s important to take it seriously and also take advantage of the credit repair techniques available to all of us.
Effective credit repair requires a combination of technical and legal skill along with a healthy dose of common sense. The technical approach requires an understanding of the inner workings of the FICO credit scoring model. The legal approach uses aspects of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) to gain maximum leverage when dealing with the credit bureaus and collectors. And finally, common sense brings good old fashioned debt and credit management into the picture. The technical and legal approaches are essential to any effective credit repair effort, and can produce exciting results, but without simultaneously infusing a little common sense into your program you will disappointed with your outcome. Here are our favorite credit repair techniques of the pros.