Bad Credit Agency

What or where can i find a free credit counseling agency to help me repair my credit?

the ones that help are free but i dont know where to go to find them

Public Comments

1. if you need to repeair your credit its already ruined, just file bankruspy if you have at least 40k in debt if not, then you did it wrong. tisk tisk!
2. Just look up consumer credit counseling service in your area. You should request your free credit reports through annualcreditreport.com or call them toll free # 1-877-322-8228 for all 3 free reports.
3. (banging my head on the wall) I want to stay away from credit repair doctors...no one will ever have the vested interest in repairing your credit more than you will....so do it yourself ! 1 - If you haven't already get current copies of your credit reports from the 3 major bureaus (Equifax, Experian and Transunion) 2 - Take a photocopy of each and put the originals in a binder 3 - Get a highlighter and highlight any account that is negative (collections, written off, older than 7 yrs, etc...) 4 - Any inactive account that is older than 7 yrs should not be deleted from your report. Download a dispute letter from the credit bureaus website(s) and fill in the details 5 - For collection/overdue items, if they are greater than 7 yrs dispute them as well 6- If there are still valid debts, you need to contact the creditor and negotiate a 'pay for delete' in addition to a payment plan if you cannot pay in full. If they start hounding you send them a 'cease and dessist' letter stating they may only contact you in writing. 7 - Do not apply for any credit while you are doing this or for the next year (ideally 2) 8 - If you currently have any credit card or loan balances, pay them off or at least pay them down to bring them current 9 - If you need a credit card, get a secured card from Capital One for $500 (or more if you can)....use it sparingly for like only $25-50 and pay in full and on time every other month or so to establish good re-payment history. A little patience and 2-3 months, you'll be on your way.
4. Just because a CCCS company is free does not mean that they don't charge a fee. You will find that they all charge a monthly fee to be in the program.