People give all sorts of reasons for not working to repair their credit. Here are top 10 reasons people avoid credit repair and why none of the reasons should continue to stop you from working to repair your credit reports.

Piggybacking is a method of credit score improvement that has been used for many years but has recently come under fire by lenders and FICO. Today, piggybacking is still an effective method of credit repair, although it is harder to abuse than it was in the past.