If you’ve got a “pitbull” sales pitch, a knack for writing and guts of steel, then you probably don’t need any credit repair services. Rather, with a few hours of your time, stationary for printing letters, a few stamps, your free annual report and a certain audacity, you can tackle disputable items and fix your credit. Many Americans don’t like negotiating for better interest rates, items removed off their reports, settlement offers and monthly payment plans, so they turn to a credit repair business for assistance.

Credit Repair is a Matter of Time and Patience
Todd Ossenfort, chief operating officer at Pioneer Credit Counseling, says that credit repair is a matter of time and patience. He often fields letters from people who complain that their credit scores don’t increase after they pay their debts off. Delinquent account holders cannot expect a magic wand to remove those blemishes overnight; instead, the late payers will have to suck it up and wait seven years.

Repairing Bad Credit
Every major financial purchase requires a good credit score. New homes, cars, even opening new credit cards, will be easier and less expensive in the long run if you have a good score. But some scores aren’t in the best shape: what can you do to repair your bad credit?

Sales of repair manuals go up as cash-strapped drivers taking on motoring DIY jobs (Daily Record)
PUBLISHERS Haynes yesterday said sales of car repair manuals were up as cash-strapped drivers took on motoring DIY jobs.

State sues Shore area credit counseling firm (Asbury Park Press)
The state Division of Consumer Affairs has filed a civil complaint against United Credit Adjusters — located in Howell, Lakewood and Wall — seeking to shut down the credit repair and counseling operation.

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