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Unless your credit score is anything but squeaky clean, and especially if you have bad credit, you may have considering using the services of one of those advertised credit repair companies. You have seen the ads online and on TV, perhaps even on billboards in your local area, promising that they can get you credit score raised to the level of excellent in a very short time. Using one of these companies is not only ineffective, it is a sign of desperation. And that is exactly what these companies are preying on – the desperate. These companies make a lot of money via the funds of desperate people, and those people need to realize that while these credit repair companies are for the most part not illegal, they also do not do anything that you cannot do for yourself, for free. But like any industry where there are desperate people willing to fork over their hard earned money for quick answer or a magic potion, there are also many scammers out there who promise credit repair services. In fact, the Federal Trade Commission recently announced that they had forced the closure of a number of companies and businesses that made such outrageous claims about credit repair with equally ridiculous timeframes for making that happen. You need to back up, sit down, and take the time to understand what your credit score is and what affects it, either up or down. Most consumers don't do this and therefore do not understand what their credit score really reflects, which is a very sad statement in today's economy where keeping your credit score as high as possible should be a top priority, and there is not a credit repair company on the planet that can do anything that you can not do yourself for free. First of all, please realize that your credit score is a number that is calculated based on your credit history. Read that again and note the word HISTORY. History is something that has happened and nothing will change what has happened. If you filed for bankruptcy last year or have been late on payments on your credit cards for the past two years, that is historical fact and no force in the known universe can change those FACTS, especially not a credit repair business who will charge you for what they claim to be services, although they are not doing anything that you cannot do yourself at no cost. If your credit history is bad or poor, the only thing you can do is to start taking action, right now today, to change that. Note that you are changing it for the future, because you cannot change the past. Your credit score also looks at trends in your credit history, so even if you had many late payments 2 or 3 years ago but you have made payments on time consistently for the past year, that TREND is definitely considered and will subsequently raise your credit score. Do not fall for the claims of credit repair companies who cannot change the past, no matter how desperate you might be. Instead, understand how the credit scoring system works and make a vow to start that positive trend today towards an excellent credit score, which you can do without the help of credit repair businesses. For more insights and additional information about the truth of Bad Credit Repair as well as finding other services to help rebuild your credit to an excellent status and getting free copies of your credit report so you can know where to start the process, please visit our web site at http://www.credit-help-center.com
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