Don't Use a Credit Repair Clinic for Bad Credit Repair


If you have a poor credit score, then it's essential that you think about techniques to boost your score. However, you should avoid credit repair clinics to perform bad credit repair. You can mend your credit on your own. This might seem surprising but is true.



Bad Credit Repair

Many scam credit repair companies are out there that make promises to repair your credit and help you become eligible for a mortgage, auto loan or credit card. However, you must not fall prey to them. They don't have the legitimate capacity to do things that you can simply do on your own. Some of the scam credit repair clinics make use of dubious methods that can get you into a quandary.


Fraudulent techniques used by credit fixing clinics

A number of credit fixing companies use deceitful and unlawful techniques and two of them are mentioned below:


  • They steal the Social Security Numbers of people or credit files of individuals who are aged below 18 years or who have passed away. They replace these with the files of individuals with bad credit records

  • They often recommend their customers to generate a new identity through requesting for an IRS Employer Identification Number. This is a number that is similar to a Social Security Number and comprises 9 digits. They tell you to use it rather than your Social Security Number to request for credit and this is illegitimate.

  • What are the signs of a scam bad credit repair company?

    Given below are the warning signals that a credit fixing company is a scam:

  • They claim they can take out negative details from your credit file
  • They assure you that they can eliminate accurate but negative details from your credit file
  • They recommend that you apply for a credit card with a huge credit limit
  • They claim that they can take out the court judgments and your dues from your credit file
  • They advise you that you don't contact the credit bureaus


  • You can mend your credit score in different ways and some of them are given below:

  • Collect your credit report, go through it and know what is in there
  • Challenge and remove inaccuracies from your credit report
  • Reduce your spending
  • Devise a practical budget
  • Create an emergency fund
  • Start paying off your debts
  • Have positive details included in your report
  • Bargain with creditors
  • Stop using your credit cards and acquiring debt
  • You should always remember that even a genuine bad credit repair clinic wouldn't do anything that you can't perform on your own. Nevertheless, they would definitely ask for a fee that might range between $250 and $1000, which is absolutely useless.