Do I need to use a Credit Consultant?

You can fix your credit and raise your FICO score yourself utilizing the same techniques employed by Credit Consultants and Attorneys. 
You have seen the advertisements in newspapers, on television and the radio. You receive them in your junk email; you get flyers in the mail and in your fax. You may even get calls from telemarketers offering credit repair services. They all make the same claims:

• "Credit problems? No problem we can fix them!"
• "We can erase your bad credit-100% guaranteed."
• "We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!"

Be wary of these claims, they cannot do anything different THAT YOU CAN DO YOURSELF, in fact they need your permission just to obtain your credit report. Protect yourself and your credit identity, do not give out your personal information to strangers who make promises they cannot meet.
Credit Repair Consultants generally charge a monthly fee, so the longer they take the more you pay!

You can repair your credit file yourself and save money, there is nothing the “Professionals” can do that you cannot do yourself with a little help from this website and blog.

 Take the advice of the U.S. Federal Trade Commission “ Do it yourself and save money”
                           
The Federal Trade Commission Urges Consumers to be Aware of Credit Repair Scams:

Quote: “Everyday, companies target consumers who have poor credit histories and promise to clean up their credit report, the truth is, using the tactics they promote those companies can’t deliver an improved report for you. The fact is, you can improve your credit report legitimately yourself, but it takes discipline and a conscious effort to develop a clear financial plan”.

If you would like to have all the valuable information on how to successfully repair your credit in a complete step by step manual then this is  perfect for you: