In these economic times, having excellent credit is extremely important.  Interest rates are low, but getting those rates requires a really high credit score.  As Gen-Y enters the housing market, we need tools to improve credit scores.

There are lots of things that you can do for yourself, and then there are the things that you need to outsource. By outsourcing, I mean hiring a company that has expertise in the task at hand.

If you have bad credit, the economic downturn probably already has you in crisis mode. Where credit used to be easy to get (perhaps at a stratospheric rate), its now impossible. If you run into a problem or need to finance a large purchase, you need credit repair services fast! The higher your credit score, the less you’ll pay for debt.

Why do you need to outsource this service? Because …

• Dealing with your creditors is stressful
• Dealing with your creditors is time consuming
• Understanding the Fair and Accurate Credit Transactions Act (FACT Act), and the FDCPA (Fair Debts Collections Practices Act) is a pain

DSI Solutions is an example of a company that will do all the leg work to repair bad credit - satisfaction guaranteed for $267. It sounds like a lot of money, but if you want the job done quickly and with a guarantee of clean credit, it’s worth it. They use their knowledge of the FACT Act and the FDCPA to legally remove negative items from your credit report. They may not be able to remove everything, but because of their expertise, you’ll know that your report is as good as it can possibly be.