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When you find yourself in deep credit trouble the last thing you need is to be riped off. That is why you must be careful which credit repair agancy you are going to sign up with.

Since all of us have some kind of debt, whether it be credit cards, mortgage or a car loan all of us have credit history. All the loans that you have taken in your life have been reported to the one of the three major credit bureaus.

If you are like most off the people you will not care much for that until you get your first rejection notice. At first most off us blame someone in the bank or in the credit bureau for this rejection. But after the second, third and the following rejection notices have been received you start to question what is wrong.

After some time you start thinking about your credit score, usually because a friend or a family member have told you about their own credit problems. By then the chance is that your credit has dropped soo much, you will have a very hard time getting a loan with good rates. Forget about buying a new home, car or even renting an apartment.

When you get stuck in this kind of financial trouble you need to start with bad credit repair. At first you might get overwhelmed by the complex terms used by credit repair experts. You will also find many, many ads offering quick, even over night credit fix.

Do not buy in to that!

Credit repair takes time even for reputable companies. One of the reasons why you must be careful is that most of these new companies will not do anything for you that you can not do by yourself with a little help. They will try to convince you that what they do is something beyond your understanding, but in 90% of the cases you can do everything they do and do it better.

What will they do?

1. They will request a credit report from either Equifax or one of the other two major credit reporting agencies.

2. Then they are going to try and challenge any negative items on your credit report.

All that you can do by yourself. Basic idea behind this strategy is not to correct any possible mistakes on your credit report but to use the law which states that all the demands for investigation must be answered to in 30 days.

Since there is just no possible way for credit bureaus to investigate all of the demands, many items must be removed from credit reports no matter if they are correct or not.

This strategy can look really clever at first, but the credit bureau have every right to return the negative items back in your credit report once they investigate it.

So you have two choices here, with first you can hire a credit repair company to do all the work for you and the second is to do all the work yourself. If you do decide to hire a credit repair company, be sure to hire a reputable company, you can find a list of good credit repair companies on our site.

In the recent years there has been a flood of new sprung companies trying to make a buck by ripping people off with bad credit repair service.

Three things you must know and do:

1. You are under no obligation to pay for anything in advance. All the services promised by a credit repair companies must be rendered before you have to pay them.
2. They have to specify in advance all of the services they will provide you with.

3. Carefully read the complete contract. Do not skip anything. If you need to take it home and read it over several times, do it. Read it until you understand every single item in the contract.

Credit repair companies are excellent way towards repairing your credit, just make sure to hire a company that has been in the business for a long time and has many satisfied costumers to verify their record.

Hiring a good service will definitely shorten the time in which you will improve your credit rating and is defiantly going to save you a lot of time and patience you will need if you decide to go through it alone.

About the Author: At www.Debt-Free-Family.com we are dedicated to help regular people get out of debt, avoid bankruptcy and enjoy a debt free life. Find out how to start your own Bad Credit Repair.