Credit Repair Companies vs. Credit Repair Education

Credit Repair Companies vs. Credit Repair Education

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When you are struggling with establishing good credit you may be tempted to look for a quick fix, such as working with a credit repair company or a credit repair “expert”. These are companies or individuals that promise a miraculous fix to your credit but generally end up leaving you with more debt and worse credit than when you began. They do this through scams, lack of education, and more. It is because of this that working through a company that focuses on credit repair education is critically important. A service such as "The Credit Journey" Online Credit Repair Course will  work with you to understand what your financial pitfalls are because of challenge credit and show you how to restore your credit score by teaching you to eliminate inaccurate, obsolete, and erroneous information from your credit report. You are also educated on your rights as a consumer.

When looking into services to help you with your credit the Federal Trade Commission (FTC) recommends looking for the following warning signs:

• The company wants money up front before they do any work
• The company does not disclose your legal rights
• The company recommends you do not contact creditors directly
• The company advises you to take action that may not seem entirely legal, such as creating a new credit identity

It is because of this that it is critical to choose a service that offers you an opportunity to educate yourself about matters of personal credit that you may not think you can do yourself and is 100 percent legal. Even the most reputable of credit repair companies will simply dispute items on your credit report that you have every right to do yourself.  This is something you can do on your own; you do not need to hire a company to do this for you.  As you look deeper into the mission of these companies even the most reputable credit repair companies make it clear they are just out for themselves and their long term goal is to keep you as a client, rather than ensuring your financial independence.

                This is why developing a relationship with a credit education service is to your advantage. A service like The Credit Journey will work with you to eliminate inaccurate, obsolete, and erroneous information from your credit report and will help you to develop strategies for ensuring that a financial disaster does not become your disaster.  A credit repair education service will also work with you to ensure that you know your rights as a consumer and understand your credit report.

                There are also credit education companies out there with an extensive curriculum that focuses on financial literacy rather than making a quick buck. The dedication to education is what makes credit education services stand apart from credit repair companies. Credit education services are dedicated to your long term success, rather than simply being out for themselves.

                Overall, educating yourself about the options available to you when it comes to building or repairing your credit is an excellent idea.  You are your best advocate and ensuring that you have a good knowledge base to back up your gut feelings will serve you well in your financial life and your family’s life in general.