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docdee52

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how to repair my credit without a professional

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"Professionals" cannot repair credit!!!

The best way to repair your credit is to make sure all bills get paid as promised.  Creditors essentially "loan" you the money so you can purchase goods and/or services when you want or need them, even if you don't have the cash on hand.  It is up to the debtor to make the payments as agreed so everyone will be happy.

Do check your credit reports every year to make sure that everything on them is yours, not someone else's.  Dispute the incorrect items. Not the ones you don't like, just the ones that aren't yours. 

The people who say they can repair your credit often suggest procedures that could be classified as fraud, such as applying for another social security number.  Sometimes they take your payments and hold them so your credit actually drops even worse.  Just paying as agreed all the time on all accounts is the best way to improve your credit.

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