Credit repairs usually take time before you it can clear up especially if you are keeping a bad credit history. After all, history aren’t made overnight and I believe yours too.
But in some cases, like women who had been robbed by partners and has no idea that she is in big trouble until they separate, things could get rough around the edges. This happens mostly with divorce.
If you are not personally liable to your credit fiasco, find ways to prove to the creditors that this is not your debt and you are a victim as much as they are. Certainly, they will help you if they find honesty with your words.
Remember that good credit rating is the main basis for loans. It is sometimes used when you are trying to rent a house for house owner’s reference so you have to keep it clean as much as possible to avoid future inconveniences.
If you made mistakes along the way, the fastest route to credit repair is to get your debts written off your file. Contact your creditor as soon as the collecting agency approaches you and try to bargain with them.
Consumer Credit Counseling Services provides free counseling for money management and assistance to people who are financially troubled.
However, if for some reason, you need to clear up your credit record now and your creditor is someone who isn’t willing to bargain then you will have to seek help from a mediator.
Mediators like credit repair firms are often aggressive and would get their way fast for you, that is, if you have chosen your credit repair company well and when choosing the right credit repair firm, you should back it up with good research and the firm should have good reputation to begin with.