Bad Credit Agency

does credit repair agencies deal with credit cards only?

do they do mortgage and auto too

Public Comments

1. Hon, it's 'do' credit repair..... not 'does.' The subject is agencies. Therefore the verb is 'do.' I'm sorry I don't know the answer to your question but my guess is that they are limited to credit cards only.
2. A credit "repair" agency will try to improve your credit by removing old or inaccurate information from your credit report. You should be able to do this yourself if you get a copy of your credit report. There are other types of companies that can try to settle your debts for you. Some will take your money, and then not send anything to the credit cards for a few months. This will convince the credit card companies that they won't get their money, and make them willing to settle for less than the outstanding amount. You could do this on your own, too, but it is dishonest. It also will not work with secured debt, like mortgage or auto loans. Don't worry so much about your credit. Check out http://www.daveramsey.com/
3. No. We deal with all sorts of situations. Anything that is on your credit report. Some of even do debt negotiations and original creditor dispute letters. Just be careful who you choose. Don't sign up with anyone that charges a monthly fee - their incentive in that situation is to draw out the credit repair as long as possible. I also wouldn't choose anyone that does not let you see and sign the letters for yourself. Personally, I would NEVER let anyone send anything on my behalf. Credit bureaus, by law, do not even have to open mail from a third party company acting on your behalf. I've bookmarked this site... http://www.safelinked.info/jump.php?link=debt Take care.