How to Get Real Help with Credit Repair
Just because your credit history is sub par doesn’t mean that you can’t get or build your credit back up. Each creditor has their own specific standards, and most of them look at your history from different angles. Some will only consider what has happened in recent years in terms of credit, and consider giving credit if your bill paying history has been satisfactory.
If you are not able to create some sort of budget that is workable in order to repay your debts and keep up with mounting bills, then something like credit counseling might be a strong alternative.
There are many credit counselors that offer their services at local offices, as well as online and over the phone. If you want to go this route, be sure to find an organization that can offer one on one counseling in-person. These types of organizations typically include universities, credit unions, military bases, and some government nonprofit programs.
There are also paid solutions like OvationCredit.com that will work with you by looking at your credit history and coming up with a plan to dispute errors in your history with the creditors. This will bring immediate relief to your credit history when compared to long-term options like repaying debts.