Credit Repair Attorney: How to Decide if You Need One to Clean up Negative Items
Fixing a bad credit report is not a pleasant experience. There are basically two ways of going about the credit repair process.
Many people decide first to fix their own credit only to discover the process is much more involved than they expected. This is because they are trying to save a few dollars by going the inexpensive route.
Unfortunately you may discover that repairing bad credit is one of those projects that only appears easy. There is so much to the process including legal research and writing, which is challenging even for credit lawyers at times.
If you are not the type of person who enjoys legal research in your free time, or don't have patience for translating wordy statutes and confusing case laws from around the country, then this might not be for you. But if you are determined enough to plow through the stacks of law books, then you should expect to spend at least a a few Sunday afternoons researching applicable credit laws at your local library.
Assuming you are able to understand the case law and statutes, then you have to move onto the more important part of credit repair. The next step is to write a coherent and compelling dispute letter. You will need to cite the applicable case law and disputed items.
For example, the credit bureaus are trained to be on the lookout for those people trying do it yourself credit repair. They can easily spot the dispute letters written by amateurs. This can be a problem since credit bureaus are infamous for ignoring badly written dispute letters.
Even if you are a good writer, you probably are not going to enjoy standing in line at the post office. To ensure your dispute receives a proper investigation, you will need to mail the letter via United States Certified Mail.
By now you are probably wishing you had more free time. Mailing dispute letters via certified mail takes a lot of time. Unless you are extremely casual about how you spend your free time, this is probably not worth your time.
Disputing bad credit errors on your own also takes an organized office space and a strategic plan. For example, you will need a spreadsheet to track the progress of each disputed item. Plus, you will need to give yourself reminders or some type of alert in the event the bureaus or creditors have allowed the proper investigation period to expire.
As you can see credit repair is not a fun experience. There are so many better and more efficient uses of your time. Plus, it is difficult to learn and apply complex legal statutes and case law to your unique credit experience. - 29866
Fixing a bad credit report is not a pleasant experience. There are basically two ways of going about the credit repair process.
Many people decide first to fix their own credit only to discover the process is much more involved than they expected. This is because they are trying to save a few dollars by going the inexpensive route.
Unfortunately you may discover that repairing bad credit is one of those projects that only appears easy. There is so much to the process including legal research and writing, which is challenging even for credit lawyers at times.
If you are not the type of person who enjoys legal research in your free time, or don't have patience for translating wordy statutes and confusing case laws from around the country, then this might not be for you. But if you are determined enough to plow through the stacks of law books, then you should expect to spend at least a a few Sunday afternoons researching applicable credit laws at your local library.
Assuming you are able to understand the case law and statutes, then you have to move onto the more important part of credit repair. The next step is to write a coherent and compelling dispute letter. You will need to cite the applicable case law and disputed items.
For example, the credit bureaus are trained to be on the lookout for those people trying do it yourself credit repair. They can easily spot the dispute letters written by amateurs. This can be a problem since credit bureaus are infamous for ignoring badly written dispute letters.
Even if you are a good writer, you probably are not going to enjoy standing in line at the post office. To ensure your dispute receives a proper investigation, you will need to mail the letter via United States Certified Mail.
By now you are probably wishing you had more free time. Mailing dispute letters via certified mail takes a lot of time. Unless you are extremely casual about how you spend your free time, this is probably not worth your time.
Disputing bad credit errors on your own also takes an organized office space and a strategic plan. For example, you will need a spreadsheet to track the progress of each disputed item. Plus, you will need to give yourself reminders or some type of alert in the event the bureaus or creditors have allowed the proper investigation period to expire.
As you can see credit repair is not a fun experience. There are so many better and more efficient uses of your time. Plus, it is difficult to learn and apply complex legal statutes and case law to your unique credit experience. - 29866
About the Author:
I Fixed my Terrible Credit. My FICO Score is up to 745. Lexington Law Works. See Documented Proof at www.creditforcouples.com
