Credit Repair is not a losing battle. Any and all tactics to improve or repair your score are well worth your time and effort; but there are better ways than others to help best determine where to start and how to best allocate that time and effort to make the most difference.

There are many companies offering to help you repair your credit score and even more willing to take your money and repay you with just about nothing other than a big bill and still just as ugly of credit. It is important to understand that each persons’ credit history is different and if there is a company out there offering a quick and simple ‘one size fits all’ solution it is best to avoid them all together. An individual with a few late credit card payments should have an entirely different repair plan than the one fresh out of bankruptcy, foreclosure, or a short sale or two.

In order to repair credit, it is important to first and most importantly understand credit and how it works! If you’re one of the lucky ones with cash on hand to begin repairing your credit there are still quite a few things you should know before you do so. Simply throwing money at your overdue bills may get the creditors to stop calling, but it will not fix the whole problem and it certainly will not repair your credit. If you’re like most people in need of credit repair, you may just need a clear plan of action and a moment to breathe some fresh air instead of lying helpless under that mountain of overdue notices and stress.

Help really is out there. There are a handful of honest companies out there offering legitimate advice, counseling and education on how to best repair your own individual credit. One of the best ways to find great service and honest results are to ask friends, relatives or reliable individuals if they have any dependable referrals or if they know of a great credit repair companies.

Unfortunately for many, damaged credit can be a touchy subject and friends or family members may not be too willing to discuss such sensitive information. A good way to determine an honest credit repair company is to be sure that all of the information and advice they provide is drawn specifically from your credit report; in other words if they are able to bark our generic answers over the phone without looking at your scenario, hang up. Credit repair can be quite complex, that’s why you are looking for advice now isn’t it? There are no simple answers when it comes to credit, so be ready to face the tough question and don’t be afraid to ask even tougher ones.