Free credit repair can seem like a godsend if you have bad credit. Hundreds of organizations promise to fix your credit problems, allowing you to move on with your life. However, you have to be careful where you go. Otherwise, you may wind up stuck with more debt than ever.
Bad Credit and Credit Repair
Repairing bad credit is a long, arduous process. You need to prove that you will be able to handle credit more responsible than you have in the past. It would take several years. Then, you will have to wait seven years until your past credit mistakes are wiped clean. So when somebody tells you that they can repair your credit at little to no cost, you can't be blamed for wondering if you may be better off jumping at this opportunity. The sad truth of the matter is that unless this is a non-profit organization, it is very likely a scam. And, just as unfortunately, there are scammers that masquerade as non-profit organizations.
The easiest way to figure out which non-profit organizations will be able to genuinely help you repair your bad credit is to visit the official website of The National Foundation for Credit Counseling (NFCC), a non-profit credit card repair network. The website has a list of non-profits that you can trust. You can look them up by region and find the ones that are closest to your place of residence.