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Common Credit Questions we've received at CreditRepairPlan.com

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•  Why is it better to Repair my Credit History Myself? I can hire a Credit Report Repair Company and have them do it all, saving me all the aggravation.

The Answer is simple. You can repair your own credit report yourself, possibly even more effectively without the high costs of hiring a credit report repair service you may know little about! Credit report repair companies can use shady tactics and methods. The first step of hiring a credit report repair service will be for you to give them your social security number, and a copy of your credit report and your address and other information. You may know nothing else about this company then their website address and they now have access to all the information that makes you, YOU! Pretty scary. Secondly, some credit report companies will then take a look at your credit report, figure out what items you want to dispute and send out letters to all your negative items all at once. This may sound like a quick solution but I assure you it is quite the opposite. Sending out all your disputes at once will begin to raise red flags with the credit and collection agencies. They will most likely just write off the attempts as frivolous and not help remove items from your credit history report. Worse then that, after you have had enough of the credit report repair companies efforts and you decide to try to repair your own credit yourself you will have an up hill battle now that red flags have already been placed on your files.

•  I've already tried to contact my collection agencies and they say there is nothing they can do so what else can I do?

A lot! Step one, buy our Credit Report Repair Plan! We will show you the most effective ways to get results from the credit and collection agencies. They are infamous for stall tactics and not always cooperating with you. You need to learn your rights and what rights they must abide by so that you can effectively approach these companies and get the results that will help your credit report history truly reflect you!

•  Isn't it best to just let things be? I heard that negative items come off your credit report in 7 years anyway, should I really mess with it?

It depends, sometimes it is best to let it be, but many collection companies will wait until your seven years is about up and either sell your account or contact you about it again. "Touching" the account could begin your seven years all over again. For this reason we tell you to be careful with what you touch. Nothing is more frustrating then trying to "wait it out" and only have the seven years start all over. It is typically best to try to address the item, and get it either removed all together or at least re-reported in a more positive manner. We'll show you how you can do this.