How to Raise Your Credit Score Over 150 Points in Less Then 40 Days.

Many "credit repair" companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and countless money-back guarantees: "Bankruptcy, tax liens, judgments... no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!" Can these companies really make such sweeping guarantees? The simple answer is no. One of the most effective methods of raising your credit score can be done from your personal computer in a matter of weeks!

While some credit repair companies are outright frauds, others are not fraudulent and they use the dispute process to obtain impressive results. In fact, they delete thousands of negative credit listings every day. But what these companies don’t want you to know is that you can complete this process yourself, for free!

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It is risky to trust anyone you don’t know to help you restore your credit. It is estimated that fraudulent credit repair companies have bilked Americans out of more than fifty million dollars. The majority of credit repair companies were started by entrepreneurs with a penchant for marketing. Consumers have flocked to these "credit doctors" only to discover that their advertisements proved far more impressive than their results. Fixing your credit can be done in a few simple steps. Check out the timeline on a friend of mines website that taught me the procedure to personally improve my credit score HERE .

Here is the simple truth, you do not have to endure bad credit for seven to ten years as long as you feel comfortable challenging the accuracy or verifiability of your credit listings. I’m not going to say that the process is easy, but it is very possible to follow the steps that Chris Brisson outlines in his 37 days to clean credit . With determination and a little bit of education I was able to raise my credit score from 620 to 740 in 3 months. If you are skeptical about repairing your own credit just visit Chris’s site and read his 37 days to clean credit timeline and see the proof for yourself. There is hope in the near future, just never give up and don’t let credit companies control your personal finances. A lower mortgage rate and cheaper personal loans are just around the corner!

However you decide to repair your credit score, just remember that thousands of people have been in your position. It only takes a little research and respnsibility to see drastic changes in your score. You can do it just give yourself a little faith and jump right into the process. It can't hurt to try.