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Should you hire a law firm to help you repair your credit? What a heated debate this question can bring up! Some people say that, if you want any type of success in repairing your credit you absolutely must work with a credit repair law firm. Others say that credit repair law firms are a waste of money. Even others say that hiring a law firm is illegal (this is untrue, by the way).

With such strong differing opinions on the matter, what is to be done? How do you know who is right? When it comes down to it, neither side is completely correct. The truth is, there really are pros and cons to either approach. You can decide for yourself which one best fits your feelings and situation.

To help you out, below are 3 pros and 3 cons of using a law firm to repair your credit:


1. Expertise.
Probably the main benefit of hiring a law firm to help you repair your credit is their expertise. They do this on a daily basis. They have helped thousands of clients achieve results in repairing their credit. So, you may want to utilize that expertise to ensure that you see true results.

2. It saves you time.
Your time is valuable. And it takes a lot of time and effort to work to repair your credit. So, if you don’t have a lot of extra time on your hands, you may feel that it is worth the money to let someone else take care of this tedious process for you.

3. Persistence.
One of the problems people find when they attempt to repair their credit on their own is that they just aren’t persistent enough. Many times having an item removed from your credit report takes numerous attempts. A law firm that specializes in credit repair knows this, so they continue to stick with it as long as needed. Whereas you on your own, without knowing how all this works, may give up too soon.


1. It costs money.
Just like any other law firms, no credit repair law firm is going to be free. If you find yourself in a situation where you are in need of credit repair, finances might already be tight for you. So you may not have the extra money to put towards hiring someone else to work on repairing your credit reports for you.

2. Potential scams.
As with anything else, there are going to be scams out there when it comes to credit repair. If you aren’t careful, you could end up working with a disreputable company, or a flat out scam. This could mean that you are giving a lot of money (and very personal information) to a company, only to have it all go down the drain.

Be careful of any company promising you any type of results. If you make sure to do some research on a company before you beginning working with them, you should very easily be able to find a reputable company to work with. Just be aware that the scams are out there, and do what you need to protect yourself.

3. Lose out on the opportunity to learn.
Doing credit repair on your own can be a great learning opportunity. Lexington Law, a reputable credit repair firm, has said, “Repairing your credit is a chore you can undertake on your own. In fact, there are a large number of consumers who have successfully increased their credit scores after taking the time to research their credit rights and the methods of credit repair available to them. Many of these self taught credit repair experts actually seemed to relish the challenge and can be found providing advice on the many self help credit forums on the Web.”

As you can see, if you have the will, time, and desire, you really can do these things on your own. This can be a great learning opportunity for you, and you can use that new knowledge to help educate others. Just make sure that, if you do decide to do it on your own, that you put in the time to do the research so that you are going about it the right way.

Nicole has years of experience with all things credit. She has a passion for teaching people about anything related to credit scores and credit reports.