If your credit has suffered from the recent economic downturn, you may be wishing you knew how to fix credit. The good news is that credit repair really isn’t that difficult. Even better, you can do it yourself if you have the time, willingness to learn and persistence.
The first thing you need to do is take an honest look at your situation. What happened that lead to your credit issues? Was it over spending or a loss of job? Either way, the issues probably boil down to a lack of sufficient cash reserves. Because of this, you need to concentrate on saving money and cutting corners where you can. Now, I am never been a big fan of the “Latte Factor”, but the reality is that little things really do add up. One way you can save money is to make an attempt to save on gas. You can do this by going to gasprices.mapquest.com. Enter your zip code and find out which local gas stations have the cheapest gas. Be diligent in your attempts to save money and you will find that having more month than money is a thing of the past.
Next, it is time to focus on your credit file. The best cheap credit repair is do it yourself credit repair. You want to be educated though! Buy an e-book or enroll in on online credit repair training program. It will be cheaper than hiring a company to do everything for you and the results you get will be far better. You may ask why that is. The reality is that companies that you pay monthly to send out credit dispute letters for you really aren’t all the motivated to work that quickly. Now, there are ethical companies out there, but I suspect that even they work their pay plan. And, the sooner your credit is fixed the less money they make.