As the number of credit repair scams often outweigh the number of legitimate companies it may not be wise to go for outside help to repair bad credit. You can consider repairing bad credit on your own. If you show dedication and work hard, it is certainly possible to repair bad credit without any external help.
To start with, obtain your free credit card reports and study them properly so that you will be able to identify the fundamental causes of your bad credit score. After this, close any unnecessary credit card accounts. Also, do not start any new accounts. Following this, start accumulating money and apply for debt consolidation when the appropriate moment arrives.
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