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Do It Your Self Credit Repair

Given our whole discussion on credit counseling and credit repair companies, you may wonder… can I just do it myself? The answer is… absolutely! Everything a credit repair company will do, you can do yourself instead. The advantage of DIY credit repair and debt management is you save yourself money AND prevent the hassles of finding a reputable company. Before you launch into this… there is one key thing to consider. Ask yourself seriously, how did I get into this credit and debt mess to begin with? You will have a lot of trouble with doing it yourself, if you … Continue reading →

Choosing a Credit Counseling Agency

This month I have been discussing credit counseling services. In Do you Need Credit Counseling?, I gave some possible benefits to credit counseling services. Then in Credit Repair Scams, I gave some possible pitfalls of credit counselors. Today I wanted to offer some help on how to find a good credit counseling agency if you have decided to take the leap for help. Unfortunately, the credit counseling industry is full of scams and poorly run companies. The rules that govern them can vary greatly from state to state, plus they are confusing and disorganized. Relying on the law to help … Continue reading →