by: Michael Saunders

You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims:

* “Credit problems? No problem!”

* “We can erase your bad credit — 100% guaranteed.”

* “Create a new credit identity — legally.”

* “We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”

Do yourself a favor and save some money, too. Don’t believe these promises. Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.

If you are trying to lose weight, what do you do? You change your eating habits by reducing your intake of fat grams and calories, and you increase your amount of physical activity. Successfully losing weight and keeping it off requires a change in your lifestyle and frame of mind. Changing your financial position for the better is no different.

Once you get to the point where you believe that budgeting and saving are better than having on a new outfit or driving around in a new car, then you are on your way to improving your condition. Being financially stable and becoming debt-free will no doubt change your financial condition for the better.

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No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA).

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Budgeting, Saving & Becoming Debt-Free Requires Deep Changes
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