by Ben Douglas

Fixing your broken credit is about as enjoyable as cleaning out your sewer lines weeding a briar patch. However, once you finally decide you’ve suffered enough and want to repair your credit, you have a couple of choices.

First, you can do it yourself. Second, you can hire a credit attorney. For all you “do-it-yourselfers” it is mighty tempting to try it on your own. After all, it is much cheaper, right?

First, there is a great deal of legalese you need to learn when fixing your credit. For instance you will have to learn your rights under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and so on.

If you are not the type of person who enjoys legal research in your free time, or don’t have patience for translating wordy statutes and confusing case laws from around the country, then this might not be for you. But if you are determined enough to plow through the stacks of law books, then you should expect to spend at least a a few Sunday afternoons researching applicable credit laws at your local library.

Once you have waded through the stacks of law books and thoroughly irritated your local librarian, you will need to draft a good dispute letter. Even if you have some decent writing chops, this type of letter takes a unique method to be effective.

For example, the credit bureaus are trained to be on the lookout for those people trying do it yourself credit repair. They can easily spot the dispute letters written by amateurs. This can be a problem since credit bureaus are infamous for ignoring badly written dispute letters.

Assuming you can draft a decent letter, then comes the easy part. The easy part is to mail the letters. You will need to send them certified, which means you have to physically take them to the post office.

Plus, mailing out a letter via certified receipt is an all consuming process. Wouldn’t you prefer to spend that time planning a vacation or relaxing during your lunch break at work?

Disputing bad credit errors on your own also takes an organized office space and a strategic plan. For example, you will need a spreadsheet to track the progress of each disputed item. Plus, you will need to give yourself reminders or some type of alert in the event the bureaus or creditors have allowed the proper investigation period to expire.

Does this sound like fun? Do it yourself credit repair is overwhelming and intimidating especially if you are not highly motivated to learn the federal credit laws. So, unless you are dedicated to becoming an expert in the federal statutes, the issue is not can you afford to hire a credit repair attorney, but rather can you afford NOT to seek help from an affordable qualified attorney.

About the Author:
Discover the secrets to erase negative credit items, increasing your fico score, and getting approved for the home of your dreams. Tips, advice, and real life experiences on avoiding credit repairscams, crooks, and con artists. Learn the truth about finding the right credit lawyer.

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