Being a single mother of two teen aged boys, finances have
always been a major concern I needed to find a way to help with my son’s
expenses for his first year in college, and couldn’t get a loan, because my
credit rating was not as high as I had hoped.
I didn’t want to spend money on a credit restoration company, but have
you ever tried to figure out how to fix your credit for free?
I honestly didn’t know where to begin, but I got started
with research. I found out there are
tons of credit repair companies out there, but I wanted to do this myself, if I
could. I found several free consumer
credit repair services, and here is what I learned:
·
You Have
to Start With the Basics
·
Do-it-Yourself
Credit Repair is Not Easy
·
It May
Not Work for Everyone
You Have to Start
With the Basics
First, examine your
expenses. Most of us know how much our
larger expenses are every week or every month, but smaller expenses slip by
us. If you spend $8.50 every weekday
morning for coffee, a bagel, and a newspaper, then spend $1.50 on break for a soda,
and get a lunch special for $8.00, you will spend $4,500 a year. If you add in a car payment, gas, insurance,
oil, and upkeep, imagine how much having cereal and coffee at home, taking
bottled water to work, and riding the bus would save. Most of us don’t think in those terms, but to
begin understanding how to fix your credit, you have to start with the basics, formulate a plan, and
stick to it.
Do-it-Yourself Credit
Repair is Not Easy
Most
people use a credit repair service because there are steps to take, and the
professionals have the skills to do that efficiently. You must examine your credit report, send
letters of dispute the correct way for each disputed item, then negotiate
settlements with your creditors and work out repayment plans.
Not everyone possesses the skills and determination to see
it through. I didn’t. Fortunately, I found Credit-Yogi.com, and used the easy online tools to get the help I
needed. It worked for me, and it can
work for you…why not start today?
