Credit Repair Agency Knowledge Base
Is there really a good credit repair agency ? I am trying to find a good credit repair agency. I want one who states upfront what they do and does what they say. I have some credit issues and will like to get as much help as I can to clean them up over the next two to six months.
has anyone out there used hargrove and associates credit repair agency? does it work? While im making offers and removing things myself i felt paying a credit repair service $250 wasnt bad to help me due to the fact im in school again and working two jobs i really dont have time to follow up on everything. Has anyone used this service or a similar company. Does it work? i know what they do i just want to see has it worked for anyone yet?
Anyone Know A Good Credit Repair Agency? I've been looking at my credit scores for the past 2 years. I know where I stand but it seems like I can't seem to get a good grip on getting rid of my debts. Does anyone know a Credit Repair service for a mixture of debt? I have student loans, a credit card, and old cellphone contract on my report that's really holding me back. I've been paying on them, but nothing seems to be happening. I need more help. Any good Agencies out there, that will really get my scores raised and debt alleviated somehow?
Do anyone know of a reputable Credit Repair Agency? I have several charge offs, and collections items on my credit report. I would like to get these items removed. The biggest challenge is with Experian they do not delete anything. I would like to purchase a home increase my score. I paid all my collection accounts and charge offs everything have zero balances three years ago. I only fell behind because I was taking care of a sick parent. My mistake was I never received or asked for a written letter from the creditor to remove it off my credit report after I paid it. At the time all I was thinking about 3 years ago was paying off my debt. Do credit repair work and is there any repair agency that is highly experienced with Experian. I tried the creditor but they will not work with me. I tried disputing all come back verified. I believe I need a experienced person to help with this. I'm in Southern California
Credit repair? We've been working on our credit for a home loan. My husbands score started at a 560. We settled with a collection agency and i have paid down 2 of his credit cards to $50. The collection agency so far has only reported the difference of our settlement. Supposedly sometime this week, they are supposed to report the full balance as paid in full (because of some kind of waiting, process time) Anyway, we also started working with a credit repair agency a few weeks ago. And supposedly, they have already removed 13 inquiries. Score is now at a 591. That 31 points! We need to be at a 620. So at least another 29 points. We are also thinking of doing a rapid rescore because of the collection agency. With credit repair and rapid rescore working for us, do you think we can get the score to a 620, and how much longer do you think it'll take????
Does credit repair agency work? Hello fellow yahoo members, I am planing on signing up with a credit agency repairer and was wondering if these company work. I am all on collections and owe a large sum and I'm trying to set myself free. I have been taking a look at msicredit.com and wanted to see if its reputable and I will be charged additional fees up front with all legal documents. . I have looked on bbb.com to see this company and so far it looks great, but I need some golden advice on this so some knowledge would be highly appreciated. I have enough creditors cold calling and all that junk is make me sick, and also I don't have the time to just to settle everything by myself and I don't know where to begin. =( i work 2 jobs, so I have my hands tied. Advice please!!
Credit repair agency, Have you heard of this company??? Hello all, I am getting married next year and me and my soon to be wife are looking to purchase a home next year at the beginning of the year. My credit score is not good, around 529. I have had a couple of bad things on my credit, I have paid some and I have to finish paying the others off, like or 7 bad things total. My fiance had absoltly no credit at all, We will have about 10K for downpayment and all. But a freind of mine told me about Academy credit repair, I have disputed on my own but have no luck with it. I have disputed, provided copies of payoff and all that, never can get it fixed. Do you recomend this company? https://www.academycredit.com/credit_report_repair.cfm Thank you I have treid to repair my credit on my own, somethings they say are acurate and do not take them off. I have tried this time and time agian, just does not work for me
Should someone use a credit repair service?? I need to improve my credit and i want to use one of those credit repair agencies I heard about. anyone have any advice on that? ive checked out a few and one that seems to be the best Ive found charges $99 to setup and $79 a month. anyone know anything about these? it is worth it? thanks-
I need to rent an apartment a.s.a.p.,I have bad credit,& I have contacted credit repair agencies.? First of all,does credit repair work?(If only long enough for me to get a place,that's o.k.) And will it help me get an apartment by Oct.I don't have the time or patience to do the credit repair myself w/ the companies.I have an appointment w/ a company on friday & am afraid to get scammed.What are the red flags that the credit repair company is a scam? Can someone in another state co-sign an apartment for me?
How to get licenced for a credit repairing company? jahnursi… What are the requirements for credit repair licensing if you want to start your own business? I live in Washington state, and I am starting a credit repairing besiness. I already have a regular business license, and I am filing to be incorperated (LLC) but I am wondering if there is any requirement for a Credit Repairing Agency to be licensed in any other way, or bonded, etc. Does anyone know where I would look to find this information???
Are there any credit repair agencies (and/or software) that actually works? I'm looking to fix a couple of issues on my credit report. For example, I want a creditor to remove a 30-day delinquency from my credit report. Are there any actual credit repair agencies and/or websites/software that work? Let me add that: - No, I don't want to do it myself. I'd rather work with a professional that knows what they are doing. Most creditors won't listen to my lonely pleas. - I'm only interested in agencies that have been known to be successful. References/reviews are required. Thanks! The thing is, I am a military soldier. I was only delinquent the one time when I was sent overseas without notice. I had no time to get my affairs in order. It was "grab your bags and let's go." I would hope that any creditor would understand that situation, especially when I was only late that one period.
Credit Repair Agencies...what do you think? I am considering contacting a local agency. I have no credit card debt...its mainly old utility and medical bills holding me back. What is your experience or opinion on these companies? Thank you in advance.
Any advice on credit repair? Does anyone know of any reputable credit repair agencies? Or any advice on how to raise my credit score? I haven't had any negatives in several years. Also, how do I get the agencies to stop reporting after 7 years? I just want to raise my score for well being and state of mind. My current score is 571. I have student loans that I am paying off on time, every month, will this help? I also took out a cc with $250 and pay it on time every month as well.
Credit repair? United Credit Association? Has anyone heard of United Credit Association? They are a credit repair agency. I want to know if those agencies are legal and if they really can repair your credit. My realtor recommended it to me because they had a meeting with some realtors in Houston, TX and they guaranteed to fix your credit in 6 months.
Is it possible to remove credit inquiries from my credit report? Over the course of about three months I went on a desperate auto loan shopping spree. I was trying incredibly hard to get approved under my own name with only a year worth of credit history because I have no willing/able co-signer. I've recieved about 20 inquiries and my credit score dropped over 50 points from the original 730 I had, bringing me from excellent credit to between fair and poor. Now I know that people usually say that you should stay away from "credit repair" agencies. However, I feel cheated to have these inquires draining on my credit report for the next two years when I've been responsible with my credit cards as I don't have a single late payment and I usually pay off half my debt or more every 2 weeks. Please advise.
Classes to become a credit repair specialist in LA, CA? Certification Requirements? Any CRS out there? HELP!? There are lots of websites and books claiming to teach you all the tricks about being able to fix your credit...I've read mixed reviews. I do realize that many people believe that credit repair specialists are scam artists and that many can do it themselves, but still, I'm interested in the field. Are there actual classes or schooling that I can do? Do I need any kind of certification in Los Angeles? How do I begin? What credit repair kit or kits do the professionals use for thorough credit repair fixes including but not limited to removing chexs system? Where do they get their experience? Does anyone know of any mlm credit repair agencies? I am wishing to open up a credit repair agency with my husband in the future, but we would like to be certain that we know all the ins and outs as much as possible. Any info. will be very helpful and greatly appreciated. Thanks, Michelle
how can i repair my bad credit and raise my score? I am trying to repair my bad credit so that i can raise my score to buy a house. I have gotten a credit report and the main problems i have are unpaid medical bills, a judgement and a student loan. I have never had credit card so i dont have any of those problems. what i want to know is what is the best way to handle this and would it be a good idea to hire a credit repair agency. i was told by one person that they could repair my credit for $200 and $50 a month. I also have things that are over 7 yrs old how can i get these removed some were even relisted on my credit report after the 7yrs can they do that?
can anybody give me advice on how to repair my credit and raise my score? I am trying to repair my bad credit so that i can raise my score to buy a house. I have gotten a credit report and the main problems i have are unpaid medical bills, a judgement and a student loan. I have never had credit card so i dont have any of those problems. what i want to know is what is the best way to handle this and would it be a good idea to hire a credit repair agency. i was told by one person that they could repair my credit for $200 and $50 a month. I also have things that are over 7 yrs old how can i get these removed some were even relisted on my credit report after the 7yrs can they do that?
Has anybody ever used lexington law's credit repair? I signed up with them in the middle of november to expidite credit repair. I am on the midddle Concord program, but it seems slower than i would like. I have a 530 fico and NEED to purchase a home by June. I would like a Conforming loan so I can go To avoid PMI and MI insurance. Anybody that has used Lexington Law, please let me know your thoughts. Anybody who has a GREAT credit repair agency, let me know. also I haven't started to build credit so any good suggestions? Thanks so much in advance!
Disputing negative items on credit report? I have been reading up on repairing my credit b/c I was going to use a credit repair agency to do this. Everything I have read says that you can get items removed true or not sometimes by sending dispute letters. Does this really work? Do I need to send a letter to all 3 bureaus for the same item? How many should you do at once? I know they would never believe me if I disputed every single thing on my credit report.. How long does this take? Has anyone ever gotten anything removed by doing this?
Question About Credit Repair Agencies..? Exactly what type of help do they offer?Do they remove negative accounts on your credit that are paid in full?Or do they remove any negative accounts whether they are paid off or not??
Is it better to go through a credit repair service or pay the collection agency directly? Okay, my credit is really not all that bad and I have paid off cards within the last few months. Yes I did cut them up, pay them off and closed the accounts. There are still four cards that have unpaid balances that total about $1200 and less on each. Unfortunately the accounts were opened junior year of high school and Im a sophmore in college. With that being said they are still outstanding debts and I would like to pay them off to repair my credit.Is it best to pay the third party collection agencies or go directly to a credit repair business that charges per account to clean up my credit? Is it worth it to pay them off or should I let them charge off?
Can you repair your own bad credit? I have recently researched information on repairing bad credit after bankruptcy, etc. It appears that items, whether true or false can legally be disputed from yourself as frequent as every 30 days. And, unless the credit bureau agencies can provide valid proof (from the original creditors) within a 30 day period, they must remove the derogatory credit from your file. Although it can take 2 - 3 times of writing dispute letters to actually get a response, this seems very interesting. It also appears that the FCRA is really in the consumers favor, but not really advertised to us because the 3 major bureaus profit from our credit history. Any experience/advice on someone cleaning up their own bad credit (not through credit repair scams)?
Where can I find a trustworthy credit repair expert? I am trying to repair my credit by sending debt settlement letters to the collections agencies listed on my credit report, but they are not being cooperative. Most are saying they CANNOT settle the debt nor are they willing to delete the listing from my credit report after the debt had been paid. I don't trust any of these non profit credit counselors, but I need some guidance. I am begining to lose hope that this is even worth the trouble. Any advise?
easiest way to repair credit? I am looking for ways to repair my credit. i have a decent score, but i am looking to better it without the help of hiring a credit agency. if anyone is familiar with any software or anything that is inexpensive, i'd greatly appreciate your answers.
How can I pursue action against someone who stole money from me in exchange for "credit repair"? Nearly a year ago I paid someone to repair my credit. She is licensed. I have a written contract. She has done nothing to help my credit and will not respond to email or telephone inquiries. How can I report her to state licensing agencies (Texas) and the credit bureaus? This person is not a member of the Better Business Bureau. She works for a mortgage company, but does the "credit repair" independently. By "independently", I mean she does not represent any company. This is her "side business". She is not representing a COMPANY. She is not a member of BBB. She is a licensed loan officer who does credit repair INDEPENDENTLY as a SIDE BUSINESS. I do have a signed contract with a ONE YEAR GUARANTEE, signed on July 23, 2006.
Are credit repair companies legit and do they really help? I am trying to raise my credit score quickly. Right now I am at 593-around 650 depending on agency. So, by paying off the 5 credit cards that I currently have(some with amounts ranging from 1,500-2,500), should that raise my credit score a great deal? If not, will a credit repair company help or are they just a scam?
Should someone use a credit repair service?? I need to improve my credit and i want to use one of those credit repair agencies I heard about. anyone have any advice on that? ive checked out a few and one that seems to be the best Ive found charges $99 to setup and $79 a month. anyone know anything about these? it is worth it? thanks-
looking for a credit monitoring company who also gives tips on credit repairs.? i have bad credit and have been trying to repair it for the past few months. Im looking for a credit agency that will help me repair it or a credit monitoring company that will give me tips on repairing it (not too expensive). so far i've been thinking about creditkeepers.com or paying more to use lexingtonlaw.com. Does anyone have information reguarding these companies or have tried others that you would recommend?
What is Delaware's statue of reporting negative credit (time).? Im trying to buy a house; im at 600 and climbing but i want to remove all negative remarks from the year 2002 which is the bulk of my bad history. i have everyting paid, no lates in 2 yrs. i was considering a credit repair agencies but i dont want to waste money. If i write all three reporting agenciences and attach proof of all items being paid in full will they delete it from my credit file and does the state (delaware) statue supercede? meaning for example if delaware states 3 yrs for negative items to be reported then will they (negative items) be removed? Can some answer this for me?
What companies can I contact to remove fradulant Credit Report Entries from my report? There is a company that I know is illegally trying to collect money from people and they have added negative marks to my credit report for something that never even happened. Is there a credit report repair agency? Most of the ones I have seen are only dealing with consolidating your debt, rather than working to rid your report of any false collections.
How long does it take to repair your credit? I have begun repairing my credit. I've contacted collection agencies to make settlement agreements and everything but I haven't heard from them and it has been 2 or 3 weeks since i sent out the first letter. I need to raise my score that depleted during my divorce. Is there anything I can do to speed up the process?
How do I get affiliate links with Equifax,Transunion,and Experian? I would like to know how to get authorization to set up affiliate links with the three major credit bureaus. I have my own credit repair company and was wanting to know how to have it where my clients can link to a credit agency and pull their credit reports. I know that there is an affiliate program but I keep getting conflicting info on how they work. When I call the agencies to make sure that this is possible I do not get a call back. But I see other credit repair agencies use this same method on their sites and one of them even told me that they get paid for every person they refer. I just want my business to work and so far it's doing good. I have a few clients that are happy, but I want to improve the service of my website. By the way before you judge me or my company, get to know us. We are not out here taking anyone's money. My clients know right up front before they employ me that they have the ability to try and repair their credit themselves.
How to repair an error on my credit report? I have a collection on my credit report from the old AT&T, when they had wireless products (cell phone.) I paid my account in full, but when I went to check my credit report it says that I owe them $5.00 and they put me in collections. Now when I called the collection department to dispute it, the collection department no longer exists because AT&T wireless no longer exists!! Any suggestion on what I should do? I've already tried to correct the error with the credit reporting agencies, but they need proof that my account was paid in full. HELP!
credit repair? any experiences with credit repair, credit repair agencies,books, websites, etc.... i need to repair my credit
Anyone Know A Good Credit Repair Agency? I've been looking at my credit scores for the past 2 years. I know where I stand but it seems like I can't seem to get a good grip on getting rid of my debts. Does anyone know a Credit Repair service for a mixture of debt? I have student loans, a credit card, and old cellphone contract on my report that's really holding me back. I have been paying on them, but nothing seems to be happening. I need more help. Any good Agencies out there, that will really get my scores raised and debt alleviated somehow?
Credit Repair...? Looking for an agency to help me repair my credit after my divorce. Any suggestions of agencys you have used, which are not frauds.
Credit repair? How do I contact the credit reporting agencies and explain why I haven't been able to pay my credit card bills? When I try to explain th the collectors calling, they're not interested why I can't pay. They just keep calling wanting me to borrow money to pay them.
Credit Repair Agencies...what do you think? I am considering contacting a local agency. I have no credit card debt...its mainly old utility and medical bills holding me back. What is your experience or opinion on these companies?
Credit Repair? How long does a negative credit history stay on your credit report? I live in New York. Also, when collection agencies report to the credit bureaus every month, does that prolong the length of time that delinquency stays on your report? For example, an account has a "last reported" date of 03/2008 but the last payment was made in 2002, does the 2008 date prolong that negative report to be deleted from the credit report?
Credit repair? 2 years ago, my credit score was 640. I got 3 credit cards- 2 high interest clothing store, one major credit card. I lost my job, and all three were charged off. When I was being called by collection agencies, I was terrified and told them I was still working, even though I couldnt make payments. Ive paid all but a few hundred dollars off, but have these 3 charge offs on my history. My score from one of the 3 major places was 530. Ive only checked with one becuase I am told it hurts to check too often. I dont want another credit card, I dont think I could get one even if I did want one, but I dont know how to increase my score in a timely manner. Ive always paid my phone bill on time, but aside from that I don't have any other bills (husband pays rest). What can I do to raise my score?? My biggest problem is that my credit score is too low to get a credit card, but I need a credit card to build good credit! I don't want to apply for 10 cards before I am accepted and lower my score even more in the process! Thanks for the tips... Where do I get a "secured credit card"? So am I just screwed with the charge offs? Isnt there anything I can do in the next 7 years to build my credit? Will the secured cards help?
easiest way to repair credit? I am looking for ways to repair my credit. i have a decent score, but i am looking to better it without the help of hiring a credit agency. if anyone is familiar with any software or anything that is inexpensive, i'd greatly appreciate your answers.
Credit Repair? Removing a bad record as a authorized user..? My friend was an authorized user (not joint) on his brothers credit card account. His brother ended up making late payments and then doing a settlement on this account. Unfortunately, the credit for my friend, the authorized user, was also affected. The settlement appears on 1 out of the 3 agencies...therefore, I wanted to know what is the best advice, or best letter to send to a credit reporting agency to get this issue resolved..... I am not looking to give the issue to any CREDIT REPAIR company or any other services. I am looking for a Do-It Yourself approach. Thanks.
Does anyone have a template that can help me repair my credit report? I am in the process of repairing my credit. I have a copy of my report from each agency, and I have support to show that many of these credit lines are inaccurate or incomplete. however, I would like to know how to format my response so that the reporting agency can understand my response more clearly. Any suggestions are appreciated:)
How can I legally repair my credit? I have very bad credit. At least 3000 dollars worth of credit card and doctors bills. I am wanting to pay this off, and try to rebuild my credit. After everything is paid off, how long before the creditors(actually collection agencies in my case) take the points of of your credit, and do they even do this? Will it really help if I pay it off, or am I doomed? I want to buy a new house, new car, and get a credit card, but I cant ( even though I make good money) before I get married- which should be soon. I see creit repair agencies and debt consolidators, but have heard they make matters worse. I would like to pay off my debts, but if it doesnt help my credit score-I feel like I could spend the money on other things.( I am a single mother, while I make good money-I dont have it to throw around). Does anyone know what I should do? I would like to add, that I do not have a large amount of credit card debt-it is very small.Most of my debt is medical.I also am not in any way saying that I make a great deal of money- but it is a very good amount for my age and experience. I can afford to make PAYMENTS on these items posted to my credit, but as of this moment ( holidays and all) I cannot pay them off- all at once. Would my credit report list who I should pay in specific ? I doubt very seriously that I have marks against my credit that are false, but if so it is worth a try to send them the correct info. Thanks for all of your help !Keep the great answers coming! I am taking notes!
I need a sample letter for credit repair.? I am in the process of "cleaning" up my credit. I have several negative accounts that should be scheduled for removal this year as per my State's SOL. ( 7 years). My first one will be 7 years old this March. I need help with the steps on how to assure this will be removed from my account. 1. does anyone have a sample letter that will help me with this? 2. Who do I send this letter to?( The creditor or the credit reporting agency)? 3. Will these accounts come off my account automatically or will I HAVE to write these letters? Can someone help me with the steps or share their own personal experience with this matter.Thanks
Credit Repair Removal of Paid Collections? Hi, hopefully someone can shed some light on my dilemma. I have an old collection agency mark on my credit report 11/2001. This was a $90 debt that I was a few months late on paying, in turn it was reported to an agency and put on my report. Since then I have only one other negative mark on my report (60 day CC late payment). Anyway to no avail I have tried to get this off my report. Has anyone tried to contact their original creditor or the collection agency with the purpose of requesting removal? I have seen instances where people have bargained for collections removal for full payment, but in my case I paid them almost 6 years ago.
Credit Repair Removal of Paid Collections? Hi, hopefully someone can shed some light on my dilemma. I have an old collection agency mark on my credit report 11/2001. This was a $90 debt that I was a few months late on paying, in turn it was reported to an agency and put on my report. Since then I have only one other negative mark on my report (60 day CC late payment). Anyway to no avail I've tried to get this off my report. Has anyone tried to contact their original creditor or the collection agency with the purpose of requesting removal? I've seen instances where people have bargained for collections removal for full payment, but in my case I paid them almost 6 years ago. Any help or insight would be appreciated! -Josh
Question about Credit Repair/Debt Settlement? I have a bunch of negative, but unfortunately accurate, items on my 3 credit reports. They range in amount from a stupid little $28 to a whopping $6300 auto loan that is from 1995. What do i pay off? What do I dispute? Who do I contact first - Credit Bureaus for dispute or Creditors/Collection Agencies for settlement for removal? Will they really remove it from my reports? Do I deal with the the original creditor or the collection agency that is reporting it to the CRAs. My total debt is only about $11000, do you think I can turn my credit around? If so, how long do u think it will take? My scores are in the 540 range.
credit repair - VERY hi hospital bill but at time covered by VA - hospital did not chg va? 11/2006 taken by ambulance to nearest facility. The va facility (san diego) was far away and at the time I was not capable of telling the ambulance drivers that I was a vet. I met with a billing representative during my hospital stay, and informed her that I had VA coverage. She said that was all she needed to know and that they would bill the VA. Also she felt due to my condition, the bill would be approved. Fast forward to now and I have an outrageously large bill from the Hospital (well collection agency now). I haven't pulled a credit report in forever..didn't think I needed to..lesson learned. Should I contact the VA first to see if they will accept the bill from the collection agency? Can I just ask the collection agency to bill the VA directly? I really need guidance. This is the only major debt I have, but it's enough to keep me from qualifying for anything worthwhile. Please Help.
Credit Repair... Debt Validation and Disputing question.? If I want want a debt validation from a collection agency, do I have to write them the letter myself and ask them to remove it from the reporting agencies, or can I mail the reporting agency itself and say that "I dont know so and so collection agency" and have the the agency remove it? If I ask the agency, do they request the debt validation of the collection agency, or do I have to do it? THANKS.
Credit file and credit score repair.? I have recently checked my credit file with all three agencies. There are two negative records on it from couple years ago. Two files were turned to different collection agencies ($600.00 and $300.00). Both files are legitimate and I am not in position to dispute those. None of collection agencies contacted me yet. However my credit score is obviously affected by negative records and I am thinking about settling those. What is the right way to do that?
My credit report is outdated reflecting a negative score. Are there any companies to hire to help correct? I have a (really) bad credit score. I earned it in the late 90s (right after graduating college '97 - '99). Seven years have gone by but nothing has dropped off. I realize I need to start writing all the letters to the credit reporting agencies and get it updated and accurate. But I wanted to see if there were any companies out there that would write the letters and "fight the battle" to get my credit report updated and corrected. The normal credit repair companies are not really helpful as I am looking to have outdated items removed versus consolidation or payoffs. Any advice? Thank you!!
Just curious to know? Has anyone actually had their credit report repaired by a credit repair agency or company? I have read here and other boards that noone shouldn't pay to have this done but what if the negative items on your credit report has been paid and you would like to have it removed instead of waiting 7 years. My co-worker actually had a repossession on her report and she went through a credit repair company and it along with other negative marks that she paid off was removed. This was 2 years ago. I am just curiuos to know if anyone here has had their report cleaned with help from a credit repair agency.
Credit repair? United Credit Association? Has anyone heard of United Credit Association? they're a credit repair agency. I want to know if those agencies are legal and if they really can repair your credit. My realtor recommended it to me because they had a meeting with some realtors in Houston, TX and they guaranteed to fix your credit in 6 months.
Preparing (and repairing) credit with a foreclosure? Due to circumstances beyond my control, I will be defaulting on primary and secondary mortgage this month, and my home will be foreclosed soon. Out of curiousity, is there any preventetive measures I can take to minimize the impact of this on my credit? I know it's going to essentially ruin it, but I'm wondering if there are any letters I can write to credit agencies either now or after the fact to soften the impact, and make it easier for me in the years to come. Thanks, Ryan
HELP-DEBT VALIDATION considered "frivolous" by Applied Card Bank? I recently asked for a debt validation on a charged off account and have previously disputed it with CRA's and still state it's valid. What I wanted to pin point was the date of delinquency and amount said paid on last payment. Wrote a debt validation letter sent certified. Got a response from the company stating that the information I want is "frivolous" according to Federal regulations because I have failed to prove sufficient information. Letter claims I seem to be working with a Credit Repair Agency, which I have not been and claim the money I am giving them could go to settling the debt. HAHAHA. Just trying to validate the supposed amount owed and who owns it, since Ive been getting collection notices from some other company. ANYONE WITH SOLID ADVICE?
Where can i pay someone $2000 or less to quickly have my credit repaired-so that there aren't any big issues? I get tired of hearing stories about 1) how you can send letters to credit companies to have your credit cleaned, 2) how you can pay someone to send letters to credit companies to have your credit cleaned, 3) how you can pay some people to put non-derogatory accounts on your report that have a seasoned record of perfect payment, 4) how you can pay someone to go into the credit reporting agency computers to "fix" the derogatories, 5) how you can create new credit, etc, etc, etc. Question: What is the best, most seamless way to quickly rebuild your credit? Do you have a link or a phone number? I work with a lot of people who need financing and sometimes they have derogatory credit. I don't know what to believe out there, so I don't know what to tell them. Any leads? I can send some paying customers to a good, reliable, source that can really do the job. Thanks! aminomaniac@yahoo.com
What would cause somebody's credit score to decrease? My fiance and I have been working really hard to repair our credit. He recently paid off the items that he had in collections and all payoffs were reported to the 3 credit agencies; however, when he printed out his report, his score had dropped! We checked for any signs of identity theft on the report, but we didn't see any. What could cause this to happen? We're so discouraged!
I want to consolidate my debts into 1 monthly payment...? I have been screwed around by these bogus credit repair agencies I would just rather contact a "legit" debt consolidation company so I can start repaying my debt and bills o I can re-establish my credit. My question is does anyone know of any "legit" debt consolidation companies that YOU(<--key word) can assist me? Everyones answers will be received respectfully.
My boyfriend is thinking about foreclosing his home, which has been on the market for 1 yr and isn't selling.. He owns 2 other properties and basically pays a lot of money for all 3 of his homes combined. The Florida property has depreciated greatly and right now is appraised for half of what he purchased it for . The home is vacant and was custom built. Renters would only pay at most 1200, when his mortage paym is 3200.00. Should he foreclose the house and get a bad credit report which he thinks can be erased by credit repair agencies? or should he keep paying for this home which is vacant/ He's been paying for a whole year now.....
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