In a society where instant, same-day, completed in hours and one size is supposed to fit all it is understandable why those in need of credit improvement would buy into a score-boosting on the fly concept. As with virtually all types of services, speed is certainly an option to consider. If consumer reporting files could be bolstered in minutes, then potential borrowers could sign up for credit repair in the morning and schedule an appointment with a loan officer for later the same day. When things sound too good to be true, they normally are exactly that – fiction. Competent credit restoration is a process over time that when orchestrated correctly results in long-term success. If only a few points in interest reduction can lead to tens of thousands of dollars in savings during a home mortgage payment span waiting for the score to be adequately driven upward is certainly worth the wait as opposed to risking potential long term damage.

The philosophy of delivering great products with speed should be amended when it comes to providing complicated services that if not performed with precision may result in life-changing results. Confidence is much stronger when payments can be made as you go as opposed to paying everything upfront and then “hoping and wishing” that something happens. Aside from the almost unheard of insight and intuition of Ben Siegel when it came to building the Flamingo most plans when paid for in advance deliver far less substantial rewards. In a place where “rolling the dice” is much more than just an expression taking any unnecessary chances with something as valuable as a long-term credit score is never a wise choice.