In the last section, we talked about the logistics of credit repair. You should now know about how long credit repair should realistically take you and what the components of effective credit repair are. You might have even taken a look at your own credit history and have an idea of how manageable your credit repair seems without a credit repair company. In our last portion of this guide, we’re going to discuss what kind of a ride you might be in for if you choose to do your own credit repair. You’ll know exactly how credit repair agencies might be able to help you, what rules and regulations they operate under, and what kinds of results you can expect.

In truth, your credit report is the same no matter whether you, a lender, or a credit repair company is looking at it. Likewise, you are perfectly able to go through your history, write to the rating agencies, and coordinate with lenders or credit card companies to set the record straight and get your credit score back where it belongs. However, that can be a long, difficult, time-consuming process. Just as you can self-represent in court, you can fix your credit on your own, but you’ll get better results faster if you work with the pros.

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