FowlerAndFowler.net manages personal debt management like notable credit companies

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Finding a Credit Repair Company has never been as difficult as it is today! Our first goal is to help educate you on the Credit Repair Process and help you understand your choices. What type of credit repair is best for: you, your specific credit situation and your budget.

We would also like to compare several services for you and highlight the differences. We offer a list of 9 Questions you should ask ANY Credit Repair Company before you sign up with them! Click here to go to the list

The first and main issue: What is the difference between a Credit Repair "Dispute Mill" and a "Real" Credit Repair Company? Simply put, a Dispute Mill is an on-line company that has a sophisticated computer software program that allows them to input all of your credit report information. Then, their program spits out a dispute letter every 30 days. These companies are typically operated under the name of a Law Firms, and charge a never-ending fee of $35.00 to $50.00 a month. Some of these companies even require you to fill out your own disputes and letters from their website, basically charging you monthly so you can repair your own credit report! Mills only dispute a limited number of accounts a month, this way they can justify a monthly billing cycle. They only dispute with the three major credit reporting agencies, not Innovis or Check Systems, or your creditors, collections agencies or courthouses. We have seen a few Mills that have added a direct dispute process to their program for an additional fee, but it is very limited. To determine if a company is a Dispute Mill go through the 9 Questions with them and see how their answers compare! Click here to go to the 9 Questions If you only have a few old accounts that you need removed, are not in any hurry, and have a very limited budget then a Credit Repair Mill may be a reasonable option for you. But, I must say, if you are seriously considering hiring a Mill, you should probably just repair your credit yourself. There are several fair do-it-yourself program available.