Your credit score is what banks and other establishments use to check whether they should approve your purchase, loan, or job application which could mean the difference between an approval or denial and why using credit repair is important should you be denied.

Credit repair is necessary when your credit score is 600 or below. To give you an idea of how this is calculated everyone starts out with a good score but the moment you are late on a payment or a mortgage this has an affect on your credit score.

This doesn’t necessarily mean you won’t get a loan in some cases you may, but, you’ll pay higher much higher rate compared to someone who has a good credit score.

One way to fix that is by paying off all debts, and waiting and making sure that it doesn’t happen again. This doesn’t happen overnight and can take several months or even years.

Some people consider bankruptcy, however, beware, this will be on your record for 10 years and there’s nothing you can do about it but wait.

Then you can consider what many have considered, only to ask themselves why didn’t they consider this along time ago; credit repair.

Credit repair is a legal process where federal laws are used to hold creditors, collection agencies, credit bureaus, and others responsible for 100% accuracy of everything that is on your credit report.

Did you know that hundreds of thousands of savvy people have elected to use credit repair because they didn’t want to wait 10 years or more to change their lives and because they were sick and tired of renting and being treated like a second-class citizen.

Credit scores affect every aspect of your financial life, and your credit can be a key to a much better future, that’s why EditMyCredit.Net makes credit repair fast, easy, effective, and highly affordable.  Others charge sometimes thousands of dollars for programs that quite frankly don’t work. We review and dispute all the negative items on your credit report, from day one, while you sit back, relax, and watch the results, and your credit score numbers climb. -Jackson Kelly – VP/CFO EditMyCredit.Net