I know there’s a lot of people having bad credit debt problem. Some people have bad credit mortgages, some have bad credit home loans, some have bad credit insurance and other bad credit problems. Most of all, it came down to our own fault for starting it in the first place and some cases are not their entire fault at all. Usually the problem is with bad money management and over estimation of our spendings. Having said that, I also have problems in spending (who doesn’t) and what’s done is done but how do we erase bad credit ?
People thought there’s no way we can do this. For most people, they will pay their credit card debts with personal loans and then use their money to pay the loans. Not really a convincing method but it works for some people but that’s not a solution for everyone. Some people are really particular about every penny of their spendings and earnings and these people usually opted for legal credit repair.
Bad credit repair is basically a process to get a report for your bad credits and fix all the errors or cleaning up questionable items from the report. It’s perfectly legal to challenge anything on the bad credit report. Usually there’s no charge for requesting an investigation but getting professional help with cost you some money. Basically, the whole process is to find questionable items and get the credit bureau to verify it for you. If the credit bureau can’t contact the company and get confirmation of the information, they need to remove it from the bad credit report.
Here, we have Credit Counseling and Debt Management Agency or usually known as AKPK. There are a lot of credit repair company out there who can provide excellent services in repairing bad credit or give you more info on how to repaid bad credit reports. It’s up to you to live your life in debts or take an action to eliminate all the debts!