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Credit Repair – How Hard is it Really?
I took a survey in July 2009 and found that out of 1000 people, 67% of those people either admitted not never checking their credit report or knew they were in need of some sort of credit repair. Now out of those 670 people, 92% of them said they didn’t want to bother with credit repair due to it being too complex or they thought it was too hard to learn.
Most people look at laws as if they were standing on the south side of Mount Everest looking up. Do you realize you don’t need to know all of the laws? You don’t even need to know half of the laws to fix your credit. With most people I encounter, they only need 2-4 subsections of the FCRA to fix their credit report. What turns people off is they believe they need to read through page after page of legal jargon that they need to get an attorney to explain. The credit bureaus have made this a bit easier over the years, they send you the laws in layman’s terms when you order your credit report.
Another common mistake I see a lot is, people will hire someone to fix their credit and they will either promise the world and underperform or they will charge a mountain of fees and do nothing. Yes, that’s right; people fall for the easiest scam in creation…the pay and get nothing scam. Credit Repair is something everyone can learn to do with a small amount of time invested. With the wealth of information you get in return you will be very secure in knowing that if you ever have to go back and fix something, you can do it again with minimal effort.
Procrastination also seems to be another big reason people do not want to bother with repairing their credit. You have to be motivated to do something that is going to help you in the long run. If you want to spend the rest of your life paying hundreds and sometimes thousands more than everyone else, keep procrastinating.
So what is stopping you from learning it now?
If you are a “get it done kind of person” and want to learn to repair your credit yourself you can grab a Credit Repair Guide here. If you have questions and want to get more information stop by The United Credit Authority to learn more about your rights and the laws.
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