I Had To Increase My Credit Score

I had no choice, I just had to increase my credit score.

The sad fact was that with such low FICO scores, I was paying more in interest payments every month. Every time I wanted to make a purchase it was costing me up to 30% more and it was all due to bad credit.

I searched for answers, looked for credit repair services who could help me. I went to a couple places for an interview and instead of having the impression that I was going to beheld, I left with the feeling that I needed to wash my hands. I'm not saying these credit repair agencies were unethical and I can't disagree with their methods, but it seems to me that there are better ways to increase my credit score, other than writing a continuous series of dispute letters.

To write a dispute letter is not hard, but why dispute something that is correct in the first place? Why waste everybody's time with false letters, telling a credit reporting agency that the information in my credit report is wrong when it is right? I don't get it.

because of my ignorance, it was explained to me that the game is on when you dispute credit reporting details on your report. It is the right of an individual to dispute reporting errors and the credit reporting company has a duty to verify that these details are correct or to delete them.

Credit repair services figure that they can pile on the dispute letters, causing an incredible workload, and some of the disputes will fall through the cracks and never be verified. For this privilege I was going to be charged $1200 and there would be no guarantee this onslaught was going to work. If it did work, the process takes 120 days before I would see results.

My questions were plentiful. What proof do I have that this dispute is valid? How long before I see results if this method doesn't work? Why can't I do this myself? After all it doesn't seem like magic.

Their answer sent me away, searching, until I found the answer right under my nose. An online do it yourself credit repair program. Less than a third of the price I would have paid and I was able to do everything they offered and in 30 days, I started to see amazing results. In 90 days, I was back where I needed to be.