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Do-It-Yourself Credit Repair – The Pros and Cons

diy repairThe importance of having excellent credit is so well known that no one ever has to explain it. Having good credit is its own reward. It is also no secret that in recent years millions of Americans have suffered credit issues as they went through various financial issues, from losing their jobs, to losing their homes. The promise of credit repair is that you can actually do something to put your credit on better footing. For many people the confusion enters when deciding if they should attempt to repair their credit themselves, or hire a company to help them. Here we will take a look at the pros and cons of do-it-yourself credit repair.


It’s Cheaper

Perhaps the primary reason someone would want to do their own credit repair is to save money. In terms of dollars and cents, doing all the work yourself is certainly cheaper than hiring someone to help you.

It is more Hands-On

The fact that doing your own credit repair process is “hands-on” is actually a pro and a con. The reason it is a pro is because you never have to call a 3rd party to ask what is going on with your credit repair process. Because you will be doing it yourself, you will always know what is going on.

You Learn about the Process

By doing your own credit repair you will learn a lot. You will be exposed to many aspects of the credit industry, the law governing credit and credit reporting, and the process of credit repair itself. This learning could serve you well should you ever need to clear up some credit issues in the future, or help a family member or friend.


You Lack Experience

Your lack of experience is the primary reason you hire a professional to do anything for you. Hiring someone to help straighten out your credit is no different from hiring someone to remodel your kitchen or repair your transmission. Sure, you could learn how to do anything. But most people prefer to hire professionals to act on their behalf.

Another reason your lack of experience works against you is because you probably do not know what is possible as it relates to your credit repair process. When a lender or collections agency tries to play hard-ball, you are less likely to which maneuvers will help resolve the situation in your favor. This lack of experience can be very costly, and can even undercut the money you save.

It can be Time Consuming

The second major con of do-it-yourself credit repair is the time and attention it takes. The actual process of credit repair can be very involved, from mailing dispute letters, to making calls and talking to creditors, to tracking down old information. If you go it alone, you will be responsible for every step of the process.

You are less likely to see the Process Through

The process of credit repair can take 6 to 8 months, sometimes more. Perseverance is the name of the game. When you go it alone you have to be in it for the long haul, never getting tired of or forgetting the process. But as life happens, and fatigue from the process sets in, if you are like the average person you will be less likely to do all the necessary follow-up needed to complete the process.

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