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Credit Repair Attorney: How to Decide if You Need One to Clean up Negative Items
Written by Ben and Casey   
Friday, 28 August 2009 12:48
Fixing your credit is not a pleasant experience. There are basically two ways of going about the credit repair process.
by BenandCasey


Fixing your credit is not a pleasant experience. There are basically two ways of going about the credit repair process.

Many people decide first to fix their own credit only to discover the process is much more involved than they expected. Below are several reasons why you may consider choosing a top rate credit attorney at a price almost anyone can afford.

Unfortunately you may discover that repairing bad credit is one of those projects that only appears easy. There is so much to the process including legal research and writing, and negotiation skills which is challenging even for credit lawyers at times.

The bottom line is that effective do it yourself credit repair involves legal research in your free time. This takes time. So if you don't have patience for translating wordy statutes and confusing case laws from around the country, then this might not be for you. But if you are determined enough to plow through the stacks of law books, then you should expect to spend at least a a few Sunday afternoons researching applicable credit laws at your local library.

Assuming you are able to understand the case law and statutes, then you have to move onto the more important part of credit repair. The next step is to write a coherent and compelling dispute letter. You will need to cite the applicable case law and disputed items.

For example, the credit bureaus are trained to be on the lookout for those people trying do it yourself credit repair. They can easily spot the dispute letters written by amateurs. This can be a problem since credit bureaus are infamous for ignoring badly written dispute letters.

Even if you are a good writer, you probably are not going to enjoy standing in line at the post office. To ensure your dispute receives a proper investigation, you will need to mail the letter via United States Certified Mail.

By now you are probably wishing you had more free time. Waiting in line at the post office every time you dispute a negative item takes quite a bit of patience. Do you have any other activities you could be doing which are more productive?

You will need to be organized, efficient, and comfortable with spreadsheets. For example, you will need a spreadsheet to track the progress of each disputed item. Plus, you will need to give yourself reminders or some type of alert in the event the bureaus or creditors have allowed the proper investigation period to expire.

As you can see credit repair is not a fun experience. There are so many better and more efficient uses of your time. Plus, it is difficult to learn and apply complex legal statutes and case law to your unique credit experience.

About the Author:

We raised our credit scores from the upper 500 range to 745 and 763 in under six months and got approved for our dream home. Discover the one rule you must obey in credit repair at www.creditforcouples.com and get the real truth about avoiding lexingtonlaw.com credit repair.
 
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