Simple Ways To Rebuild Your Credit Rating, Restore Good Credit

It still sounds so simple: A company promises they can fix your credit score. For a fee.

Can credit repair companies really fix bad credit for a fee?

It depends. Credit repair companies promising to fix your bad credit often discovered to be operating as scams that hurt consumers.

Removing legitimate negative items from your credit is not possible, not matter what they tell you. The key word is "legitimate."

Yes, some key derogatory entries may get deleted from your credit report for awhile. But, sadly, legitimate bad debt and credit history boo-boo's will re-appear once an old debt gets sold to a new debt collector or your creditor updates credit reporting.

It's almost like flushing money down the drain.

It is important to be skeptical of "credit experts" who want to sell you their advice. Most of what they offer can be found for free on FindHow2.com and other free credit and debt relief informational websites.

Fixing a bad credit score requires discipline, patience, and action to follow-through and get better credit.

Live within your means. Watch your credit utilization, don't exceed 25% of credit usage. Pay all your bills before they are due. Stop buying with plastic. Pay off debt. Save money.

The one and only way you can establish a good credit rating is to practice good credit habits for a long time, and use credit wisely.

Credit repair companies may like to trick you into thinking that what they do is complicated. It's not. You can do everything they can do, and probably better, by yourself for free.

And, some firms practice shady tactics which might do more harm than good for your credit!

If you do find outdated or incorrect information on your credit report, follow the credit bureau's website instructions on how you can then dispute those derogatory remarks yourself. It can be done. But wishful thinking is what credit repair scammers sell: If negative information on your credit reports is indeed correct, it cannot be legally removed. Only good credit habits going forward, prompt payment of credit obligations, and the passage of time can help you then.

Find more ways you can restore good credit at FindHow2.com.