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Credit Repair - Should I Get Help, Or Should I Do It On My Own?



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By : Matthew Wierzbinski    99 or more times read

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When it comes to the question of whether or not you need professional help with your credit repair, there are lots of pros and cons to weigh. Letís pick the question apart some. There is no absolute right or wrong; it just depends on your unique situation and how much money you have or donít have and how much time you have or donít have.

The "pros" of going with a credit repair company are pretty simple:

  • You donít have to figure it out.

  • You just have to do what you are told.

  • This will save you time and some peace of mind if you do it with a reputable company.


The downsides of doing it with a credit repair company are also fairly simple:

  • It can be expensive: $600 - $1500.

  • The work they do is quite basic and at the end of the day, you could feel ripped off.

  • You still have to put in a fair bit of work when you go with a company. Even though you donít have to know why they will ask you to do what they ask you to do, when they explain it to you and you come to understand how simple it is, again, you might feel ripped off.

  • They will probably only spend about a couple of hours actually working with/for you. Again, you might feel ripped off.

  • They typically bill monthly so they are not under pressure to get your credit repaired quickly, after all, as soon as you are satisfied, they lose you as a customer.


The "pros" of doing credit repair by yourself are as follows:

  • You will save a lot of money.

  • You will learn a few things.

  • You will find that it really isnít difficult.

  • There are free tools and info on the web that you can easily access.

  • There are chatrooms on the web where you can Ďtalkí to people who have done it before.


The downsides of self credit repair are as follows:

  • It will take you some time.

  • You might not be sure if you did everything correctly.

  • Your letters could be ignored if you don't do it correctly.

  • You might lose the time you put into it and end up going with a credit repair company.


In the end, both ways are good as long as it is done right. If you sign on with a bad credit repair company, then you stand to lose a lot of money for no result. This happens. On the other hand, if you do it by yourself and you donít do it right, you will lose a lot of your time. You need to decide what is more valuable to you in the long run, your money or your time, and which you can more afford to invest in the credit repair endeavor.


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