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Is Credit Repair Ethical?
One issue for a lot of people who are interested in checking out credit repair options is that it actually ends up becoming a moral debate for them. On one side, they (usually) did make the payments late, or stop paying on the accounts. On the other side, should you really have to suffer for years by paying so much more in interest payments than everyone else?
Really, there shouldn’t be any moral dilemma with repairing your credit. The only problem really exists if you’re intending to get credit for the sole purpose of not paying it, and then planning to get it removed from your credit a year or two later so you can do it all over again. That kind of “gaming the system” should not be tolerated. However, if you’re one of us who just made a mistake and don’t feel we should have to suffer the consequences for such a long period of time, then by all means, work on repairing that credit.
Wouldn’t it be much easier to make the payments on your car if they were a little lower? With a higher credit score, that’s possible. Do you feel that it’s right for you to pay an extra $100,000 on your house over the life of the loan, just because you made a few mistakes in the last 3 – 5 years?
It’s very easy to rebuild your credit, if you take a systematic approach to it and keep yourself very disciplined. Limit your credit card spending by using your credit cards in the best way to increase your credit scores. Yes, it’s actually better to use your credit cards than to leave them locked away. Once you’ve established the credit card rules (when to use them for best results), you can then focus on eliminating the negative items from your credit. By focusing on the laws created to help us (FDCPA and FCRA), there are ways that you can get those items wiped clean from your reports. Start today, and you should notice sizable increases in your credit scores within the next few months.
So if you’re still stuck wondering if you should actively work on repairing your credit or just let things drop as they age, think about a few things. Is it right that the people who may have trouble paying bills at the level they’re at now, be required to pay more for the same thing just because they’re credit score is lower? With a higher credit score, they might be able to easily cover those payments, but they don’t have the option. Well, they didn’t have the option. After reading through this site, you should realize that you have many options available to rebuild your credit and take advantage of those same lower rates.
The absolute most important thing to do, though, is make your decision and start today. The sooner you start, the faster you’ll be able to accomplish your goals.
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