CUSTOMIZATION

It's for this reason that some of the most advanced forms of credit restoration are done completely customized for the client and even (in many cases) by hand.  The best credit restoration companies I've seen are usually run by one person or a small number of people and are extremely customized for each client.  This is the most effective way but with effectiveness comes cost.  Every one of these services I have seen charges a very large upfront fee and works entirely off of referrals.  This type of service is simply impossible to perform for $39 or even $49 a month.  Unfortunately, if you are unable to find someone in your area (preferably an individual) by way of referral through a friend, relative or professional contacts, then I recommend you take matters into your own hands and do it yourself.  I realize most consumers do not want to hear this but the good news is that it will almost always turn out to be the highest paid work you will ever do in your life. How high?  How does $500 to $2500 an hour sound?  I understand that's a bold claim but not one I am unable to back up.

If you're ever going to finance a first or second home (which everyone eventually should for the tax breaks) the difference between good credit and poor credit will affect your interest rate.  If you secure a $200,000 mortgage on a 30 year term and your interest rate is only 2% lower because of a high credit score, that 2% will save you $96,934.11 over the course of the loan (just because you had better credit).  Take that $96,934.11 and divide it by the 30 to 50 hours you may spend working on your credit situation and you'll quickly realize credit restoration (when done properly) does not cost - it pays!

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