Bad Credit Agency

would anyone suggest using these so called credit repair agencies?

Public Comments

1. NO you can do everything they can do. Put their fees toward your debt.
2. 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 report. Credit repair companies advertise they can erase bad credit for a hefty fee. Don't believe it".
3. No. These firms aren't offering a legitimate service so the firm itself can't be legitimate. You can't "erase" history. You can't "create" a new credit profile by getting an FEIN. Face it, live with your sins, take steps to create a better future and survive.
4. You can acutally repair your credit yourself. I used a solution at http://www.your-credit-solution.com/creditsolutions.htm and was able to repair my credit and increase by score by 200 in less than 90 days. It has saved me thousands in interest alone. Good Luck!
5. I have been to "many" different credit repair sites on the web. Some were pretty good and some were pretty bad. I refuse to use a website<!--that requires a fee to get their credit repair info when there is great free sites on the web.. I'm listing the best site that I've ever been to. http://badcredits.awardspace.com/repaircredit.htm It is a "free" do it yourself credit repair site. I have learned so much by reading and asking questions on that site. And, I have seen "significant" improvement on my credit reports after learning-->my rights and using them.Don't pay for information that you can find for free.
6. You can do a lot of this yourself but if it is too messed up or yours is mixed up with someone else's then you need a professional. I know a site that has 2 credit repair attorneys who do excellent work. I have several friends who got nowhere doing it themselves and these folks got it done. Here's the site: http://www.1-800badcredit.com/bad-credit-repair.html