Credit repair seems like a self-explanatory term. It simply means fixing your credit, right? The truth is that it is actually a bit more complicated than that.

There are many companies that advertise about quick fixes, and the ability to remove all negative information from your credit file. This in itself is more or less a half truth. To be frank, no aspect of credit repair is quick and easy. If this were the case, identity theft would not be causing stress to the millions who are still fighting to have fraudulent information removed from their credit file. There is a process that has to be followed and in the most rare and simple of cases, it will take no less than thirty days. Again, that is for extremely rare cases. In my experience, ninety days is a blessing. Why? Well, most of this has to deal with what is known as "zombie debt." Zombie debt is a debt that gets sold from one collection agency to another and, depending on how old this debt is, it can be hard to keep track of that debt. That means it should be easy to dispute with the credit bureaus, right? One thing that people need to understand about the credit bureaus is that you are not their customer. They do not make money by assisting you with disputes or validating debts, and verifying the information is not a priority. In fact, most credit bureaus do not even have live agents reading the letters that are sent to them. Typically these are sent through machines. The credit bureaus than attempt to "validate" the debt in question, but truly it is usually only a matter of the creditor saying that the debt is owed and not actually providing documentation. Unless the issue is pressed further, you will typically get results of the dispute that state that the debt has been verified or updated. The trouble is that most people take this for fact and give up hope at this point. However, professionals know that this is the point where it is very important to press the issue and where we start disputing with both the credit bureaus and creditors. We even have certain tactics that will guarantee that our letters are read by people and not machines.

One thing that it is important to understand is that NOONE can remove information that is true and correct from your credit file. Many times information is removed as a result of creditor mishandling information and not being able to validate accounts during the validation process. However, if information turns up later the creditors choose to report it, it can be reinserted in your credit file. The exception to this is pay for deletions. Through this service, a negotiation can be reached with a creditor to pay a fraction or all of the debt for it to be deleted from your credit file. Again, it is best to go through a professional for this service because they can ensure that the creditor follows through with the agreement.

Credit repair is not just about removing and verifying current or old accounts. It also involves understanding ways to keep a balanced credit profile and manage new credit. This includes determining how much credit you can afford to have and deciding which kind of credit will help improve your overall file. Credit counseling is a necessary part of the credit repair process if you truly wish to build a better financial profile.

Naturally, our opinion is that you should always consult a professional to assist you with credit repair. Nothing is worse than attempting to do something yourself without complete knowledge of what you are trying to accomplish. Whether you need to qualify for a mortgage, clear up negative information, or just have a peace of mind knowing that your credit is in good shape, credit repair can help you reach your goals.

To get your free, no-obligation credit repair consultation, contact Saving Grace Financial Solutions by requesting information at [https://www.sgfsolutions.com/Request_Information.php]. Set aside just 10 minutes for the consultation and you'll see just how you can benefit from credit repair.