A few years ago, if you had bad credit or were neck-deep in debt, you were virtually on your own.
You wouldn't have been able to get any credit help.
Credit report repair services and credit management were essentially unknown to most borrowers.
Besides, low FICO scores and debt were not things most people talked openly about back then.
Fast forward to today.
People are no longer hesitant to openly talk about their debt situation and there are literally thousands of companies today offering credit help, credit counseling, and credit repair.
It is comforting to know that you have no shortage of services available to help you control your debt.
However, not all companies offering credit counseling and report services are legitimate.
In fact, for every legitimate counseling service, you can bet there's at least a dozen shady ones.
And if you are one of the millions of Americans who have a poor credit history or have an out-of-control debts, you may be easily lured by counseling companies running credit report repair service scams.
So how do you avoid falling victim to credit report repair service scams? Your best defense is knowledge.
Realize that improving scores is not an overnight thing; it takes time.
If a credit management company is promising instant improvement, run the other way.
Chances are good that company is running a scam.
Again, you can't improve your poor scores overnight.
If you want to raise your credit score, you will need to be patient because it takes time.
You will need to do a few things, including employ a few strategies to get your score up.