Where Do I Start With Fixing A 600 Credit Score?

You have 3 options when confronted with a low credit score: you can take the time

to learn how to repair your own credit, you can pay a credit repair service, or you can do nothing and wait years for your credit to improve on its own.

Since you are reading this I'm going to assume you've decided you want to do something about your credit so option 3 really isn't an option. Good for you, most people don't get that far. Most people with a low credit score think there is nothing that can be done.

So your two options are to try to improve your credit on your own or to get help. There are definite pros and cons to each.

Repairing your credit on your own is probably the best way to learn the ins and outs of the credit system, how the credit reporting agencies work, and how your credit score is derived. This is knowledge that, once acquired, can be of use for the rest of your life. And on top of that, fixing your own credit is something you can do at little to no cost.

But fixing your credit on your own does have its drawbacks. Credit repair is not always simple, especially when you have a long way to go. The credit bureaus (Equifax, Experian, and TransUnion) make it seem like addressing negative listings on your credit reports is as easy as filling out a form on their websites, but make no mistake, those forms are for their benefit, not yours. For someone just getting started with credit repair, successfully repairing a poor credit score will involve a lot of learning and a lot of time sending letters to credit bureaus, creditors, collections agencies, etc. There's a reason why so many people who attempt repairing their own credit eventually turn to a credit repair company to finish the job.

Legitimate credit repair organizations have invested the time and energy it takes to learn the credit repair process and will be able to get started on your reports right away. Good credit repair companies will also be able to give you advice about additional steps you can take to improve your credit such as managing your credit accounts. Ultimately, many people see better and faster results when using a credit repair company.

This is not to say that there are no drawbacks to using a credit repair organization. A credit repair service is going to require a fee that will probably amount to many hundreds of dollars and you will not be getting the first-hand knowledge of how your credit works, there are unfortunately certain risks when dealing with credit repair companies. All too many credit repair clinics are only in the business of taking people's money and are not as concerned about helping you out.

At the end of the day, it is a decision you will have to make on your own. A good suggestion would be to start by calling a few of the well known credit repair companies and get a better feel of your options. Then, if you think you would rather work to repair your credit on your own, spend some time on the various credit repair forums. There you will be able to find many do-it-yourselfers who have fashioned themselves into experts in self credit repair.

by: Don Tate

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