If you’ve been wondering why you haven’t been able to get any additional credit that you think you need, then maybe it’s time to start thinking about credit repair so that in the future, you can secure additional credit for major purchases like maybe a house or a new car.

But please don’t make the mistake that many consumers in your same situation do and that is to be seduced by one the many ads that you may see or hear that tell you credit repair is something that is quick, easy and can be accomplished almost overnight. In all reality, this is the farthest thing from the truth.

Credit repair takes time and a concerted effort on your part when you start dealing with the major credit reporting companies. One of the first things that you may want to consider is securing your credit reports from all three of these companies and start looking to see why you haven’t been able to get additional credit. And just in case you didn’t know, by law, you are now entitled to secure a copy of your credit report free of charge from all three credit agencies once a year.

And if credit repair is your goal, it might not be a bad idea to have all three reports in front of you so that you can compare them side by side. A discrepancy on one credit report may not be showing up on the others and vice versa.

Now if all this sounds like it might be time consuming, you are absolutely correct. It is. What you have to remember is that your credit score didn’t go down overnight. So improving your credit won’t happen overnight either.

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If you make the decision to seek out companies that specialize in credit repair be sure to do plenty of homework first on whatever company that you choose. Choosing the right credit repair company can be very beneficial to you in the long run but choosing the wrong one can turn your life into a living nightmare.

Here are just a few common sense tips to help you along.

  • Avoid any company that wants to charge you a fee upfront
  • Avoid any company that doesn’t provide you written contract that explains in detail exactly what you will be paying for
  • Avoid any company that gives you a guarantee of raising your credit score
  • Avoid any company that promises to erase negative information from your credit report even though the information is factual
  • Really avoid any company that might encourage you to claim you were the victim of identity theft when you are not
  • And run like the wind if any company encourages you to create a new credit identity

If you just follow those simple tips when you are seeking out companies to help you in the credit repair process, your chances greatly increase on finding one that truly can help your situation.

And lastly, credit repair mainly rests on your shoulders. Take a look at how you have paid your bills. In fact, take a good hard look at your history and you may see why your scores aren’t what they should be.

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