Unfortunately, there are tons of companies out there that claim they can repair your credit. And they usually charge huge fees to do it. Well, the good news is that anything these credit repair companies can do you can also do for free.

 

Hello, my name is Ray Reddy. I've worked as a mortgage loan officer for several years and I have seen thousands of credit reports. I have spent countless hours and dollars seeking ways to help my clients repair and improve their credit scores. As a result, I have seen many credit repair programs and do it yourself guides. Many of these guides contain just basic information on credit that you can get free if you look for it. The problem is that these guides don't give you nearly enough information to repair your credit. I've paid up to $50 for some of these and have been severly disappointed. I believed the author's hype about their generic products.

 

That's why I've created this page. So that you don't make the same mistakes that I did. The programs listed below are the real deal. These aren't generic guides, they are jam packed with info on how to repair your credit and how to improve your credit scores. They take you step by step on how to delete negative items from your credit report.

Remember, when using these strategies, you need to be persistent and not take no for an answer. Stand up for yourself!

There are three programs I've discovered that deliver on their promises. I'm currently reviewing other programs as I write this and if I think they are worthwile, I'll include them on the list at a later date. All of these are in e-book format and instantly downloadable onto your hard drive.