Bad Credit Agency

Has anyone ever tried the software The Credit Doctor to repair their own credit...if so, did it help?

Public Comments

1. You don't need software to do it for you. You can do it yourself! Call all of them and work out a payment plan and try to get your interest lowered or stopped. Then, make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off. You probably need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don't eat at a restaurant until your debts are under control. Take a sandwich for lunch. Cancel the gym membership. Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH. Go to the library and get "The Total Money Makeover". Read it and follow it carefully. Go check out Dave's website as well. Yahoo is blocking his site again, so take out the spaces in the following: www. Dave ramsey. com
2. Rick B is right. What a credit repair company does is just systematically dispute everything on your credit report for you. If a past creditor of yours doesn't respond to the dispute in time, or if they are closed down, out of business, etc., or if the records are so old it takes them too much time to recover the information needed to prove you had a debt with them, then that item is removed from your report until the company can prove it. Once they do, though, that item is back on your credit report. So it only brings your score up for a few months, at best.... unless they hit jackpot and find something that was from a company that's gone bankrupt, or didn't have all their files in order, etc. Either way, you can dispute your own stuff yourself, at www.freecreditreport.com. Easy as pie.