Bad Credit Agency

do those companies that repair your credit really work? and which one should i use?

i would like to know what credit repair company will help my credit score go up legally.

Public Comments

1. I don't know what those companies do, but the easiest way to fix your credit would be to first get your credit report from each of the 3 service www.annualcreditreport.com Then if you have any collections either pay them off or call the companies and see if they will settle for less money. Then pay all your bills on time once this is accomplished in about 6 months to a year your credit should be significantly better.
2. dittos what jpistorius said.. Thats what I have been doing... they just do the negotiating for you.. you can save more if you do it yourself.. new good credit will help you more.. focus on that and pay off the old stuff as you can
3. Yes most of them work, but most of them take a long time and cant promise you anything, I had bad credit and needed to refi, I found a company and they fixed my credit in 30 days, i was so impressed that now i work for them. I would be happy to talk to you about our services and cost, and if we are not a match i will be more than happy to point you in another direction that might help. Email me at ficohero@yahoo.com I work for a state attorney registered credit services firm, we are very well respected, offer 100% satisfaction guarantee and have been in business for 26 years nationally... you can also call me if you email me at ficohero@yahoo.com ill give you my number... best of luck no matter what you do david
4. Brother, I think a lot of them do work. I also think they take a long time and cost a lot of money. There are a lot of crooks out there too that do not deliver on their promises. The solution is to join my club for free and get great results in 90 days or less. The Dream Richly Club is a business networking club. It is free to join! You get free personal credit restoration among other things. Welcome to the club: http://www.dreamrichly.com id no. 24000001
5. Anything the credit repair companies do, you can do yourself for free. Unless you don't have the time to sit down and contact the credit bureaus on each item you want to dispute, then go right a head and have a credit repair company do the job. Please understand though, any items that are verified to be true will stay on the credit report. Credit repair companies cannot guarantee that they can clear every single disputed item because of this. If its being reported incorrectly or has gone over the reporting time limits, yes they can either correct or have them deleted. My advice, do it yourself. It takes the same amount of time and it's easier to keep with the status. Plus too, you have peace of mind that something is already being done when you open up the disputes yourself.
6. they dont work. all scams.
7. Do it yourself..much cheaper. All they do is contact the companies and serve as a mediator. Anytime you start repaying on your credit, your score should go up.
8. Hi. This site will definately help you: http://bestamericanfinance.bravehost.com
9. They work but you need to be careful. Some of the negative items you can remove by challenging them. Don't get nasty when you write but provide documentation as to why you believe they are inaccurate. I found a better way. A friend whose credit was really messed up referred me to a web site www.1-800BadCredit.com who referred a CREDIT ATTORNEY. I used them and they got results and raised my credit score by 150 points right off. Check them out. Good Luck!
10. The best way to raise your score is to pay more than your minimum balance on your credit cards. If you do not have a credit card you can get a secured card with a credit limit around $500.00 Use your card to pay some basic expenses and then pay it off every month. The minimum will be around $15.00, but if you pay off the balance you will gain points for paying more than the minimum and also for paying on time. If you need more credit repair tips check out http://repair-bad-credit-fast.com Good Luck, Tom
11. do it yourself...they can only get things off your credit that dont belong to you... if it is truly yours it will only be removed for a short period of time.
12. You can do it yourself. Those companies dont do anything that you cant do. The advice to do it in 30 days is if you have ALL documentation to support your claim that it should be removed. If you have any questions I will give you advice. I used to be a mortgage broker and love the satisfaction of helping people clean up their credit. email me if you want 'icatch11@yahoo.com.
13. It is only you who can repair your credit. If you have credit cards, pay always on time because these credit card companies report to the three credit bureaus. Never believe companies that tell you they can repair your credit. It is only you who can. And always pay your bills on time. Do not let it go to collections which can lower your credit score further. Once again never trust these companies who tell you that they can repair your credit.
14. The only way to LEGALLY raise your credit score is to either have real inaccuracies removed from your report and to pay your bills on time. Alot of these companies that promise to raise your score suggest you dispute everything negative on your credit report even if you know you truly owe it. This is called FRAUD.
15. lexingtonlaw.com they really do work I have been with them about 16 months and my score up 65 points
16. Yes, they really work. In addition to getting a free credit repair ebook, you can find many articles on the subject of credit repair and debt consolidation at http://www.your-credit-solution.com . I wish you the best of luck.