Are you struggling with your low FICO score and have been looking online for information on how to fix your credit overnight? If you have, you need to know that 24-hour credit repair is not possible and is one of the biggest rips offs within this industry. This article will tell you the truth about the overnight credit boost schemes that are going on all over the Internet and even in your home town, so keep reading.

How Does It Work

Generally, these companies promise you instant improvements with your low consumer credit scores. Usually, they claim to have special software or inside connections within the industry. Many also have false testimonies that they use to try and legitimize their service. They will then usually inquire why you need your scores fixed; they will use this against you later.

Once they hit you with the false proof and high-pressure sales pitch, they will often ask you for money, and generally, it is hundreds or thousands of dollars. When you either refuse or seem unsure, they will use your desire for a higher score against you. For example, they may ask you things like, “Don’t you want that new car for much-needed transportation ” or “You will be able to get that mortgage with our services” or  ” don’t let your credit score stop you from getting a job.”They are just doing this to weaken your defense, do not fall for it.

What Is The Best Way To Fix My Credit Faster?

If you really want to fix your low FICO score faster and improve your report, then you really should do the job yourself. While this may seem overwhelming, it is straightforward to do, and there are many kits on the market that can help you get the job done very affordably. You could use a paid service, but you run the risk of getting taken advantage of by shady companies.

How Much Will It Cost Me To Do It Myself

You can generally buy a good self credit repair kit for less than 40 dollars or get it free at your local library. You only need to pay postage for any letters you send out, and you will need to get a copy of your consumer credit report. You are allowed a free annual report once every year, go to get my free annual credit report .com.  Go through your report thoroughly and dispute all negative entries. Also, you are allowed to write a short dispute note on your file. Credit repair companies can’t do anything differently, so save your money and educate yourself about the process.

Source by Darin Sewell