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Paul Yamilkoski

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Can I repair My Own Credit?

I get asked all the time about credit. One of the most common is " Can I repair my own credit?"

The simple answer is yes. Yes you can. 

Now, why would a professional, with one of the best credit restoration companies in the country, say such a thing?

Well, the reality is that there is nothing that you pay other people to do, that you can’t do your self.

You can fix your own car, drill your own teeth, give yourself shots, do your own taxes, represent yourself in court, grow your own food make your own clothes. Heck you could even conduct your own brain surgery, if you really wanted, though I doubt even the greatest brain surgeon would operate on themselves instead of have a colleague do it.     brain surgery on self.jpg

The list is endless. The real question though, is if you have the time and knowledge to do it at all, and if is sensible for you to go it alone. 

When it comes to credit, the perception that "all it takes is a few letters", leads many people to believe they don’t need a professional or that they should not have to pay for their help. The perception is made worse by credit repair companies that promise unrealistic  results overnight, making it sound too easy.

Heartland Credit Restoration has conducted free consultations with thousands of potential clients. Some just needed pointed in the right direction. Some were not ready for repair and we declined to take them on as clients. Many have engaged in repair and I personally have helped over 3,000 people to achieve "loan ready" credit. But there have been many times when clients, that clearly needed repair, decided to go it alone.

I don’t know of a single one, that went it alone, that was more than marginally satisfied with the results, and most come back to us frustrated and asking for help.       images.jpeg

Credit just takes a ton of time and focus to get things changed and make sure they stay corrected. 

I remember reading a news report about a man who spent three years and seventeen attempts disputing a single inaccurate item on his credit with a single credit bureau, and the entire time, he was providing them with documented proof of the inaccuracy. What should have been a slam dunk, in anyone’s book, took seventeen months!

Now that is an extraordinary expample, but it makes the point well. Just because something seems simple, does not mean it will be easy or work out the way it obviously looks like it should. 

If you want something difficult or complex done well, and in a timely manner, have a professional help you.

When it comes to restoring your credit, that is where a reputable credit repair company like Heartland Credit Restoration comes in.

If you or anyone you know is facing credit challenges and would like so help, Heartland Credit Restoration is a great place to start. Call or email me for a free consultation. 

The same goes for those of you who are realtors or lenders and have clients with credit challenges. Tell them you know a company that is fantastic at helping people get their credit loan ready, so they can realize their dreams a new home.  Ask them if they would offended if you forward their contact info to me. I will be happy to give them a free consultation and see what we can do to get them back to you with loan ready credit.

Please share this with your friends and contacts on social media. I also welcome comments and encourage you to feel free to let me know if you have any questions. In the mean time, I hope you have a wonderfully blessed day!

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