You see an ad that tells you that you can erase any bad credit overnight; what do these companies that hold such claims actually send you? What about the credit card ads that offer you a major credit card without a security deposit or even a credit check?
Credit fixing ads can be found everywhere including television ads, online ads and even books with tools and secrets to help you fix your credit issues. Often these nifty programs that have lofty claims start to sound like the tabloids:
“My credit score jumped 96 points in just 3 hours!”
“Annihilate debt and eradicate your bad credit with just 2 Magic Letters!”
But really, are all of the claims too good to be true? The answer to that is both; yes and no.
Of course many people want you to believe that time is the only real fix for bad credit, while in reality this is a far cry from what the truth is. It is true, time is one aspect of credit repair; however, it is not even close to being the only aspect. Need some proof to these claims? That is simple.
The Fair Credit Reporting Act, also known as […]

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