You may have heard that only time can repair bad credit, but the truth is that even time does not always repair issues that affect your credit rating. There are legal credit repair strategies that can help you repair bad credit issues, regardless of time.

The reasons people seek credit repair help are as unique as the individuals that seek it. If you have applied for credit and been turned down, you were probably angry and embarrassed. You are not alone and there is help. There is legal credit repair help. Government agencies will often say that the only way to repair bad credit is to wait. This is not necessarily true. If you have been turned down for credit, you can obtain a free copy of your credit report from the credit bureau that supplied the information causing the denial. You are also entitled to a free copy every year, regardless of whether you have been turned down for credit or not. If you notice any of the following things then you should get legal credit repair help.

One of the first things that you may notice when you view your credit report for the first time is that some of the listed items are very old. You may also notice that some are inaccurate. You may not even recognize the names of some of the companies that have supplied information about you to the credit bureau. If you notice any of these things, then get some legal credit repair help. If the interest rates you are paying on your credit cards are higher than your friends are paying, then you may benefit from legal credit repair. There are many reasons to seek legal credit repair help. Now the question is where to go.

There are a number of companies which offer to improve your credit score, some in a very short period of time. These services may be a waste of money. There are also companies which recommend that you create an employer ID number to use when you apply for credit, instead of your social security number. If you are not a small business owner, this is illegal. So, in order to avoid wasting money and breaking the law, you must search for legal credit repair help.

Of the many companies that do offer legal credit repair help, some are not involved in credit law at all. They may be credit counselors or call themselves credit experts and while the services that these companies offer may be legal, they may not be effective. Only a law firm which specializes in credit law can provide credit repair help that is both legal and effective in all bad credit issues.

It is legal to attempt to repair your credit rating on your own by having false, out-dated or inaccurate information from your credit report. It may also be frustrating and ineffective. Sometimes credit bureaus will refuse a request because the wording is incorrect. There are legal credit repair companies that offer to sell you letters to copy and send to the credit bureaus. Remember to compare the prices charged by these companies to credit repair law firms that do everything for you.

Legal credit repair is definitely worth your time and money. You will save money in the long run, because your interest rates will be lower. Your insurance premiums may be lower. You will probably not have to pay security deposits for services that you need or want. If you have tried to correct your credit issues on your own, don