Credit Repair Advice: DIY Vs Agencies
A piece of credit repair advice: before your hire a credit repair agency consider the pros and cons.
You'll save a monthly fee you would pay an agency by doing it yourself. You'll know exactly where you are in the process at all times when you send a letter or make a call. If you make all your own contacts, you'll be able to provide the personal touch to make it all that much more believable. Nothing screams agency like a form letter with no details.
If flexibility is important to you, you'll probably want to repair your credit yourself. Sometimes things come up in life and you need to put your credit repair on hold a while. You can make judgement calls that fit you instead of finding out what an agency did after the fact. For instance, if you see a charged off account that's 6 years old, it might make sense to leave it alone. Most negative items can only be reported for 7 years anyway.
Reasons you might want an agency to work on your credit are that takes some time to do it. Additionally, you might wonder if you're doing it right and struggle with self doubt. Credit and financial health are one of those things that you should learn to do yourself. It's like your health or your children. Yes, you can sometimes pay for someone to help but it's ultimately your responsibility.
If you're not sure what to do, there is more credit repair advice online than you could ever need. The challenge is figuring it all out and putting it in order. My advice is to find a reputable book or course that puts all the pieces together for you. Learn from another person's experience and save yourself the time.
Using An Agency
A credit agency will do the same thing you can do. They'll send the same letters without your personalization. They might give you additional credit repair advice on how to negotiate your rates. They might tell you to close or open different lines of credit. The is a secure feeling knowing someone is working on your behalf.
The experience many consumers have had is that credit repair agencies take your money and then simply send out a form letter for you. It's possible the reporting agencies see the letter and reject it based on vague information. Nobody likes being spammed with generic letters.
Then you'll wonder what's happening as the credit repair agency collects a monthly fee month after month. While you're waiting there will probably have been some other things you could have been doing to improve your credit if you would have known.
My recommendation is to do your own credit repair. Spend a little bit of the money you'd give an agency and get yourself a good book or course. Your financial future is up to you.
Find out how to do your own credit history repair without an agency. Visit www.creditrepairsecrets.org for free credit help.
Tags: Human Interest, credit repair secrets, debt, 6 yearsFiled under Bad Credit by 
Comments on Credit Repair Advice: DIY Vs Agencies
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Mobile marketing I don't believe is hurting advertising efforts because it is an opt in process. You do not get sent anything that you do not sign up for. There are many campaigns that require a double opt in process. If you do not want to continue to receive updates from providers you can text stop to whatever the short code is that is sending the messages you opted in for. There are marketers out there that I am sure are taking advantage of this but the industry is heavily regulated. Companies that are over saturating you with stuff via facebook or twitter are probably not using their social networking sites effectively. The best way to use a social networking site is as customer service tool where are you are not only sending out advertisements once in a while but also publicly address any customer concerns. These types of media are still fresh and some companies have not adapted well to the best way to use them to drive sales for their businesses. As mobile becomes more main stream, and business learn more about how to use social networking effectively I think you see a change in consumer attitude towards them. For example if an Auto Repair shop had a facebook account or a Blog where they gave repair advice, and used the medium to help customers when you need a repair you are going to think of them first. On contrast if you have a repair shop that is just blasting you with specials and deals all of the time you are probably not going to want to get your repairs done there.
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Hello Kamal – a couple of months ago when I was still fleshing out the model I had seriously considered running a second leveraged variation of the model. However after further testing I just don't think it will make sense over the long run given historical margin rates (and the subsequent impact on risk-adjusted returns).
It might make sense at this moment (given how low those rates are), but my intention (for myself as much as for anyone else) is to create a "generational strategy" that could run, unmodified, for a very long time.
I think there's a place for leverage (ex. we use it often in YK), but not here.
michael
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