Debt Consolidation Credit Counseling In Phoenix

When you are researching how to repair your credit report, you will have two choices. You can do it yourself or you can hire a service to do it on your behalf.

There are benefits to each approach. For do it yourself credit repair, you will be able to provide any additional evidence that an item is incorrect. Additionally you will be writing the letters yourself and saving money.

The cons of doing it yourself are; it is time consuming. Because you will have to send a letter to each bureau for each bad credit mark. For example if you have one negative mark on each of your credit reports, you will have to send a dispute letter to each credit bureau.

It also will take a lot of organization; this is a result of bureaus not investigating upon receipt of the first letter. Common practice of the bureaus is to respond with a letter requesting more information about the dispute, this is a stall tactic.

The bureaus have found this to be a more cost effective method, than to conduct the investigations. This is because most people get frustrated and give up at this point.

In addition it is common for individuals to dispute credit the wrong way. This means they will;

1. Send dispute letters too often.

2. Provide a frivolous reason for the dispute.

3. Dispute too many items at once.

The benefit of hiring a service to do it on your behalf is; they have a comprehensive knowledge of the ever evolving credit laws. These laws can often be used to help you and more effectively remove negative credit.

This is how services work; you will forward a copy of your credit report and mark what items you wish to dispute. The service will write a letter and send it off to the bureaus.

They will continue to send letters and overcome any stall tactics the bureaus typically use. You will then receive deletion letters from the bureaus.

You send these deletion letters to the service and the process will continue. They will do all the organization, and provide you with a contact if you want to talk someone about your specific case.

Additionally a service has more advanced dispute techniques than an individual. For example a service can use; escalated dispute information requests, debt validation, and creditor direct intervention.

In sum we suggest a service because they are professionals. However which ever method is good and can help you repair your damaged credit report. Stop just living with the high cost of a low credit score.