Just a few years ago I had near perfect credit. Life events changed that instantly; funny how quickly creditors will smear your name yet when you make good with them it is a monumental struggle to make them update your records with the credit bureaus.
I imagine there are many of you who are in the same situation I got myself into with plummeting credit scores due to a job loss, bad decisions, high interest credit , paday loans, getting in a financial hole that is impossible to get out of...I could go on and on. Just a few years ago I had near perfect credit. Life events changed that instantly; funny how quickly creditors will smear your name yet when you make good with them it is a monumental struggle to make them update your records with the credit bureaus. Therein lies the problem. How do I fix my credit score so that I can buy a house or a car? Or maybe I just want to get a good credit card and not a prepaid or a 30 percent interest bearing card. Is that so much to ask!?
My first effort to correct my credit score was by hiring a law firm. At the time it was 19.99 a month (it has since been increased monthly and most will now charge you about 100 dollars up front on top of it). The end result of having a law firm "work" to fix my credit was that a couple items were removed from my record and thats about it. That little bit that they did took them several months and me doing most of the work, entering data onto their website.
Needless to say I cancelled my account with them and just gave up for awhile. Recently I found a software program that allows you to enter your data in and submit it to all credit bureaus at once; all for a fraction of the cost I paid the law firm and of course no monthly fees. In just days there was a change to my credit score. I feel like a huge weight has been lifted off of my shoulders. If you are in that situation you should look at this too Credit Solution
You would not believe how it changes your life to have a good credit rating again. I can apply for a card at a department store without worrying about being turned down; I can put my name on our household bills without having to ask my husband to please put all of them in his name only because my credit is just that bad...(embarrassing to say the least). Whew; relief and a sense of peace in my life again. I had to share this because I know that there are so many people that can relate to this.
