Getting straight information about how to fix my credit

Getting accurate information about credit repair can be both confusing and frustrating. There are two drastically opposed positions on credit repair, and research on the subject can leave you feeling like you know less than when you started. It's important to know that neither view is completely accurate. They both neglect the full story and miss the middle ground entirely – which is legal credit repair. For people wondering "how to fix my credit?" it's important to understand why there's so much conflicting information about credit repair.

Credit repair scams: "We can fix any bad credit"

Fly-by-night credit repair clinics offering quick fixes to credit problems have tarnished the reputation of legitimate credit repair companies. At best, they promise results they can't live up to, and at worst, they employ illegal methods. In short, these businesses scammed millions of dollars from consumers who wanted to improve their credit scores before the government took steps to shut them down. It is these credit repair scams that are in large part responsible for the negative association many people have with the term "credit repair." Not every undesirable item can be removed from a credit report, and you should stay away from any business making this claim.

The FTC and credit bureaus: "Fixing bad credit isn't possible"

The unethical and sometimes illegal behavior of some companies has given credit repair a bad name, not only with consumers but also with the Federal Trade Commission, creditors and credit bureaus. The federal government has gone to great lengths to stop these illegal practices, but in the process has put legitimate credit repair companies in the same category as the bad ones. Government agencies and credit bureaus alike toe the line implying that consumers shouldn't try to fix bad credit, because it simply can't be done. This leaves consumers with one option: sit back, wait, and wait some more until the negative listings reach the maximum time they can be on a credit report, eventually falling off on their own.

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