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I am a big advocate of credit repair agencies when your credit is to damage and almost beyond repair. Now when is that point? If you are just starting out and you have few accounts on your credit repair than your best bet is to fix it yourself. But if you have eight or plus credit accounts and you have a lot of negative items than you should enlist the help of an credit repair agency.

Credit agencies are a good option if you dont have the spare time to do it yourself. They have been around for a while, have credit repair experts and usually have a fast turnaround in repairing your credit. You just want to make sure to do your home work before settling with a credit agency. Make sure you ask how long they have been in business, what are their fees, and if they have references.

Most credit agencies will charge a fee upfront and set you up on a monthly basis plan. There are advantages and disadvantages in using this method, a lot of clients complain that credit repair agencies will work slower to get the most out of you. Fortunately with the agencies that I worked with I did not have this problem, so you want to research well the company that you will work with.

Credit agencies have a well trained staff and they are very good in disputing negative items. The heart of the credit dispute are the dispute letters. When well written, credit dispute letters will remove items in the first try, but sometimes credit repair agencies have to dispute the same item couple of times.

One of the most important part on your credit repair efforts is the dispute letters. How to word them, when to send them, when to resend them and how to dispute the same item more than one time. There are a lot of examples of dispute letters on the internet, if you are not comfortable with this step than hiring a credit repair agency will be to your advantage.

Make sure to ask them: How long they estimate your credit repair is going to take, What are their fees and if the fees are fixed, and what can you expect of them.

My experience with credit repair agencies for the most part have been very positive. They removed bad items from my credit report and I experienced an increase in my credit score of 150 points. But there is always bad apples in any industry, so you want to research well before contracting a credit repair agency.