How to Repair Credit

Looking for debt relief and advice on credit repair, millions of Americans are doing what comes naturally.  They are going online and searching for credit repair guides.  This brings them to credit repair eBooks, of which there are literally hundreds.  However, the truth about credit repair eBooks is not very pretty.

Good Credit Repair eBooks Are Rare

Despite having hundreds, if not thousands, of credit repair eBooks on offer, consumers will be hard pressed to find a good credit repair guide.  Many guides have been written simply to capitalize on the credit repair craze and are completely devoid of solid advice.  Filled with keywords, buzzwords, and any other phrase designed to bring in web traffic, these guides do not help the average consumer with credit repair problems.

Credit Repair eBooks Are Expensive

Another major bit of ugly truth about credit repair eBooks is their cost.  Many credit repair eBooks will retail for $199 or more.  This can be a significantly lump of money for a cash-strapped consumer to spend, especially when they are in over their heads financial.  When the rarity of quality information is taken into account, buying a credit repair eBook becomes an extremely poor use of resources.

Credit Repair eBooks Are Wrong

Consumers who have paid $199 or more for their credit repair eBooks will be further upset when they discover that many credit repair eBooks offer advice that is either simply incorrect or flat out misleading.  In some cases this will be accidental – many credit repair eBooks are written by ghostwriters who have little experience in the credit repair fields and simply don’t know what they are doing.  In other cases this will be willful on the part of the author, who may be trying to market a service or additional eBook to the consumer.

Either way, consumers would do well to avoid credit repair eBooks and talk with a credit counselor or debt relief agency instead of buying a book giving them bad advice.

Free Advice Is Better Than Credit Repair eBooks

At the end of the day, the best credit repair advice is free.  It’s the same advice that has been handed down by community debt assistance officers, financial planning groups, and fiscally responsible lenders for decades.  To truly achieve credit repair, don’t spend money on unnecessary items, such as expensive credit repair eBooks.  Instead, live within your means, work to pay down outstanding debt, and clean up any delinquencies or late payments on your credit report.