Bad Credit Agency

I want to repair my credit, does anyone know any reputable credit repair services that will do a good job?

Where do I start, how? Need to fix credit! I Have charge offs, open acconts, and paid off accounts. Tired of being turned down and end up paying more out of my pocket!

Public Comments

1. I quote from the 2007 edition of the Consumer Action Handbook. "If the information is accurate, only time, hard work, and a personal debt repayment plan will improve your credit score. Credit repair companies advertise they can erase bad credit for a hefty fee. Don't believe it".
2. Beware of companies that promise to help you re-establish your credit for a fee. Their ability to change the information that appears in your credit file is no different than anyone else! Only your creditors are able to alter this information. Therefore you do not need to pay a third party to obtain, discuss, review or make changes to your credit report. You have the right to access your information and make changes to your file if there is an inaccuracy or if you want to include a comment. No credit repair company can do anything you can't do for yourself. It is impossible for a third party to make changes in your file if the facts have been correctly reported. There are individuals and companies that claim they can fix a bad credit file. This is not the case. If a file includes accurate, yet negative information about your credit history, this information cannot be changed. Information will only be changed when your file contains an inaccuracy.
3. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact. If you want someone to do it for you ; check out the 2nd source site. Good luck.