| We live in an instant gratification society. People want | | | | getting the credit bureaus to remove them from your |
| what they want, and they want it now. Instead of | | | | file. Understand, though, that even the process of |
| waiting until they have the cash to pay for things that | | | | disputing errors and getting them removed can |
| they want, many people will buy them now on credit. | | | | sometimes take several months. On the other hand, if |
| All too often, it isn't long before these people find | | | | you have a low credit score due to a poor payment |
| themselves deeply in debt and having serious credit | | | | history and there are no significant errors on your |
| problems. | | | | credit report, there really is no fast way to fix your |
| Because many people in this situation want their credit | | | | credit. It will necessarily be a slow process that starts |
| repaired immediately, they are attracted to companies | | | | with you making all of your payments on time on a |
| that promise to fix their credit quickly and easily, often | | | | regular basis. |
| within a matter of days. Unfortunately, most of these | | | | While you should be wary of most offers promising |
| offers of extremely rapid credit repair are very | | | | very fast credit repair, there actually are some |
| misleading, if not outright scams. If your credit is | | | | legitimate services and companies advertising that |
| basically quite good with only one or two minor dings, it | | | | they can provide quick credit repair in 72 hours or less. |
| may be possible to restore it to excellent status | | | | These are typically known as rapid re-scoring services, |
| relatively quickly. On the other hand, if your credit is | | | | and they are usually offered by credit reporting |
| seriously damaged, it will usually take considerable time | | | | agencies that are independent. Unfortunately, these |
| to repair it. | | | | rapid re-scoring services are not available to you |
| Credit repair typically involves identifying errors on your | | | | directly. You have to go through a mortgage lender or |
| credit report that are harmful to your credit rating. | | | | a broker in order to be able to work with them. |
| (Some experts estimate that 70-80% of all credit | | | | However, if the option is available to you, a rapid |
| reports contain errors.) If there are some significant | | | | re-scoring service may be the best choice to get your |
| errors on your report, then it is possible to repair your | | | | credit score improved very quickly. |
| credit relatively quickly by disputing these errors and | | | | |