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1. In today's economy, credit repair has become increasingly
important. Poor credit, like unemployment, is like a
growing plague, both here in the USA and throughout the
world. Many of us have felt the pinch of making ends
meet, but some of us have found ourselves in a place
where ends can't meet. What good is avoiding the pitfalls
of overextending ourselves if we're already in a pit?

2. Despite this, there is still a light at the end of the tunnel.
It's a difficult journey, but it can be done. There are so
many options open, but use caution when deciding on
which course you pursue. This article will hopefully help
you in making an enlightened decision.

3. The previous mention of repairing bad credit as being a
journey is the best way to look at it. Whether you're a do-
it-yourself type, or you prefer seeking professional help,
this journey can be met with many obstacles and schemes.
There are no real overnight credit fixes. Just remember, it
took some amount of time to fall into poor credit, and it
will take some amount of time to get back to financial
stability. Many schemes offer quick fixes, but the old
adage "if it sounds too good to be true, it probably is"
holds true.

4. The first step on the credit repair journey is getting a copy
of your credit report, including a Fair Isaac Score. In case
you're wondering, the Fair Isaac Score is basically the
overall score that the reporting agencies (TransUnion,
Experian, and Equifax) use, by means of an algorithm, to
determine your eligibility in obtaining credit. These
reporting companies all work independently of each other,
so all three must be encountered while repairing your
credit. To the layman, this can be a daunting task. Without
experience we just don't know the legalities, or, for that
matter, the proper wording involved in dealing with these
agencies, little less the companies and debt collectors
directly involved.

5. Once the credit report is obtained, the next step is to
decide which course you plan to follow - do it yourself or
professional help. There are many articles, books, and
software out there to help you if you prefer the do-it-
yourself route. If you can, try to seek the guidance of self-
help methods created by someone who at least has a
background in this kind of help. Again, quick fixes, rarely, if
ever, exist. If you choose to seek professional help, finding
a reputable and long-standing credit repair company will
be your best choice. Be aware that any company that asks
for money up front is probably a scam. In fact, the Federal
Trade Commission has outlawed such practices, and also
has enacted laws allowing consumers access to one free
credit report per year, and can also get another free credit
report if that have had credit denied recently, are

6. Of course, the journey doesn't end with repairing your bad
credit, but continues by increasing your Fair Isaac Score,
and maintaining financial stability. To go through the
above processes and then return to the patterns that got
you into trouble in the first place is, to say the least, not a
wise choice. There are also many books, software
programs, and financial advisors out there which can help
you in all your monetary adventures. Your life is, at least in
part, an investment, so invest wisely. Your future is up to
you, so make the most of it. Best of luck!

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