1.There is no guaranteed outcome; if there is any guarantee related to repairing of credit repair, you are walking into a credit repair scam.

2.There is no quick-fix outcome; if anyone tries to convince you that this process can be fast-forwarded, beware! He or she will be promoting some type of illegal ploy.

3.You cannot change your SSN number, nor can you have get a “new credit report.” If the agency offers you a “new identity” or “new lease on life” beware! … this is highly improper and illegal.

4.You should not, and cannot, dispute everything negative entery on your credit report. If this is the process the credit repair agency plans to use to improve your score, that agency is among hundreds of credit repair scams that prey on the market of gullible people.

1) Shopping online and paying by credit card, without checking for VerisSign at the bottom of the page. Always ensure that the page that asks for your credit card details is encrypted by an approved regulatory body. This is particularly important when you receive promotional stuff in your email.

2) Accepting windfalls through email – it’s lovely to win a lottery, and everybody loves that. However, if you ever receive emails saying you have won a large sum of money for which you need to give them your personal and financial details, be careful. It’s almost certainly a scam!

3) Applying for online loan approval – let’s say you have applied online for any type of loan. They get back to you asking you very personal financial and personal details. Never give any personal details online to anyone!

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But is it?

No, it’s not. When you do throw in the towel you are sending out a message that you behaved irresponsibly and you lost your money and that of your creditors. The mark of bankruptcy will remain on your credit report for 10 years, and every creditor will consider you a high risk investment. Ten year is a very long time to bear the repercussion of a mistake.

It’s wiser to use the right to declare bankruptcy very cautiously, and only when every other possibility has been checked out. Look for hand loans, government grants, re-negotiation with creditors, second mortgages and so on – in the end you will find it’s well worth the trouble.

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What is the difference between the two services? A credit repair agency zeroes in on methods that help you repair your credit score in the fastest way possible; a credit advisor goes beyond that, and teaches you how to manage your finances.

Many reputable credit repair agencies also act as credit advisors, because they opt to deliver more to their customers than the subscribed services. Besides debt management counseling, these agencies will also help acquiring poor credit financing, working out a budget, finding alternatives to generate wealth and many such other activities that improve the overall financial status of the client.

While credit repair is a highly focused service, at the end of the day it’s the credit advisor that will be your real friend!

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Myth No 1 – credit repair companies thrive on your misfortune. Wrong! They actually provide vital help at a time when you are about to lose everything – your possessions, your peace of mind, and your reputation.

Myth No 2 – all credit repair agencies are fraudulent; they’re only after your money. Wrong! Reputable agencies make clients for life. They become friends, philosophers and guides to their clients, teaching them the art of financial management. They show you the light, when you are lost in financial darkness.

Myth no 3 – credit repair agencies can work miracles if you pay them enough. Wrong again! Trustworthy agencies will tell you right from the start what can be done and how long it will take. They will use only legal means, which are in no way “magic.”

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After a while, let,s say a year or so, they will realize that the due amount is steadily increasing instead of diminishing, in spite of regular payment of the minimum required amount. Not only that, but their credit score seems to be slipping away as well.

It’s time for credit cards credit repair. This means an intervention to get rid of the credit card debt. The sooner one wakes up to this truth the better!

 Most people go for credit repair help with the hope of seeing their credit scores improve rapidly, preferably overnight. But this only shows how little awareness there is about the principles that make a credit report. A credit report is nothing more than the record of your financial transactions from the day you became an adult.

 Once you understand this basic principle, it will be obvious that it is not feasible to expect that help with your credit can “wipe away” negative entries. Such services can only help you improve the way you manage your finances, which over a period will reflect in your credit score.

 Beware of companies that promise you instant revamped credit reports. There are no legal ways that permit you to wipe off all true records from your credit report. You can only remove those which are inaccurate.