Are you facing a huge debt, coupled with a low FICO preventing you from achieving traditional financing relief? Perhaps you have weathered the storm, but your credit was ruined? If you are ready to fix it, but don't know where to start, it may be time to get help from a bad credit expert to help put together a plan to get your personal finances back on track and improve your scores. But do you really need the help of a professional?
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Improving your financial reputation has a significant number of benefits that can impact your life in a variety of ways.
FICO scores are more widely being used to assess your fiscal responsibility in a variety of industries, and having a good score can reduce your rates on insurance, increase your odds of getting approved for loans, and convince a land lord to look favorably on your rental application.
A number of stores are offering financing, and having a positive reception at banks means that you can get finance money easily when you need it to seize business or family opportunities.
All that being said, a majority of us end up seeking professional help only after the immediate situation has become dire. Facing huge unsecured debts, high interest credit card balances, bankruptcy, foreclosure, medical bills, eviction or worse, we can face immense pressures. We need emergency help, and we need it fast.
Your credit repair expert can put a stop to the harassing phone calls from your creditors and collection agencies. A quality service will get you your credit report and help you to organize what bills are delinquent and will work to contact the collection agencies in an effort to work out settlements for what you owe. In addition, a legitimate counseling company will help you develop a budget, and create a custom debt management plan prioritizing your current bills so that you not only address your current financial problems but are set upon a path towards future and growing success with your money.
After addressing your immediate concerns, a credit score expert can also negotiate on your behalf to help lower your charge card interest rates, can work to consolidate high interest bad credit card balances into available low interest financing options, which translates into increased monthly savings on your bills. Much of being an advisor is in knowing what available options exist in order to achieve the maximum savings for the you.
Simultaneously the professional providing your help should be working to fix your credit score. Every negative item on your report should be addressed, so that your report is optimized in order to rise with time. Your credit repair expert can work to get erroneous items removed or updated and will notify the three credit bureaus when negatively impacting items have been taken care of. With their help you can clean up your financial report and your FICO will improve.
Now that we have mentioned a variety of the services that a legitimate company can provide you, the question remains do you really need their help?
The empowering truth of the matter is, no...
"Ultimately, you can and should be your most trusted advisor..."
An outside expert is not required for you to accomplish all of your financial goals. You can negotiate with collection agencies and with the banks you owe on your own. Most agencies and bankers will be just as happy to settle an outstanding debt with you as they would a professional service acting on your behalf, obviously their interest is to get as much of the money they feel is owed them as possible.
In addition, you are entitled to a free credit report from each of the bureaus annually, and you are more than capable of contacting Experian, TransUnion, and Equifax via the internet to request your complete report.
It is a simple process that will take you less than 20 minutes. There are a variety of how to guides online to help you yours free. We even provide a step-by-step DIY credit repair guide in our blog.
Once you have attained your reports, you are more than capable of reviewing your items and taking care of inaccuracies. With a letter to the bureaus you can request they fix items that are not true clean up the inaccurate items on your own.
There are a number of debt consolidation lending options available online that will give you the financing to help pay down your high interest balances and reduce your monthly bills even with a bad credit report or after a bankruptcy.
Lastly, a consulting a visa expert is not required to help you put together a budget. Don't let personal finance experts convince you that managing your money matters requires the help of a professional. Planning and common sense is all that is required to create your budget and manage your money successfully -- trust your instincts to guide you. If you can leave your emotions at the door, you can manage your personal finances like an expert.
All that being said, knowing that you can deal with your financial challenges is different than getting up this morning and taking massive action to do so. I know full well that it can seem like a mountain of tasks to accomplish. If you take it one item at a time, one step at a time, you CAN do it, and save a significant amount of money doing it yourself.
On the other hand, if you are financially overwhelmed, emotionally exhausted, and making every effort you can just to make it right now, enlisting the help of a credit score expert can immediately provide the help and time savings to get things done.
If you have made the decision take advantage of the reputable companies offering counseling, debt & repair services there are a few things you should consider when comparing your options. The first recommendation is to choose a trusted, well-known company, law firm or attorney that will tell you directly how it is and not sugar coat your financial situation. If you face tough financial times, you need an expert willing to deal directly with the realities of your finances.
Trust your instincts and choose to work with a provider that you feel is being direct and honest with you at all times, and not trying to protect your feelings at the cost of your results.
Additionally, there is no need to pay for services you do not need. If you won't benefit from score tracking and report monitoring -- don't get it. Work with companies that have a history of success and experience in dealing with credit problems just like yours. Choosing to work with the best credit restoration expert available will pay off dividends when they are able to achieve miracles with your personal finances you might not have thought possible.
"Imagine all doors of opportunity cast wide open for you..."
Ultimately your financial health is your responsibility, but wise advice can open your eyes to opportunities. Most credit counseling and repair services provide free initial reviews, there is no obligation, see if what they can offer is right for you.
Don't be left out in the cold when killer new offers are made available, so you can sit back and save...