Bad Credit Agency

Has anyone tried using these online credit repair services?

There is a law firm that keeps popping up on websites that says they can improve your credit score. Has anyone actuallly tried this service. If so what was your experience with them? Am I better off trying to repair my credit myself.

Public Comments

1. i have found the answer to your question in a website and here is the link:http://www.gce-int.com/blog/index.php?p=1315&more=1&page=2
2. Is the law firm by chance Lexington Law? I don't have a clue if they are any good or not but I don't have any credit problems and they somehow got my email address and I used to get a couple emails from them a week for a couple years until I moved and changed email addresses. They are real good at spamming people, that's for sure. I'm sure there are some very reputable credit repair agencies out there that can help but do your homework and know who you are dealing with. I've know people that went to supposed credit repair firms that charged them a fee and about all it did for them was put them in more debt. Read the link below from the Federal Trade Commission. Self help may be the best help.
3. I think you're better off repairing your credit yourself. That's what I did, although I have a background in finance which kinda made it easier for me. You might want to buy a do-it-yourself kit. I bought it for my sister and it has everything you need. The link is below
4. In order to build up credit and establish a good credit, you must show a number of stabilizing attributes. Most notably, your report must prove to the lender that he will get his money back. Here are some suggestions: OPEN A BANK ACCOUNT Open a bank account and use it responsibly. This is the first step in establishing a financial history. CO-SIGN One way is to piggy-back onto someone who already has a good credit history established and is willing to co-sign. Once the co-signing has occurred, you simply make payments on or before the due date. In time you will have established a credit history. SECURED CREDIT CARD Apply for a credit card. Shop around and only apply for a card if you can meet the lender's requirements. Responsible use (spending within your budget and paying your bill on time) will help you build a good credit history. DEPARTMENT AND GASOLINE CREDIT CARDS Since gasoline credit cards are not revolving (cannot carry a balance forward month-to-month), often they are easier to obtain than regular credit cards. Similarly, some department stores offer revolving credit for a specific purchase and this is sometimes easier to establish. It is also a great way to establish credit. This website can be very useful for you: http://www.howtoestablishgoodcredit.com/Credit_Articles/index.php?page=1&category=7
5. Repair System Kit Ask for copies of your credit report from TransUnion, Equifax, and Experian. Scan your credit report thoroughly to look out for any errors or charges that you have not actually incurred. Dispute any errors on your credit report with the concerned credit bureau immediately. After the mistakes are rectified, begin saving money, while trimming expenses, raising your earnings and go on disputing any debts that you have not incurred. Prepare a budget that accommodates your monthly installments, another budget that is as accurate as your debts and the last budget that caters to your survival needs, once you have cut down on the expenses. Lastly begin paying your secured loans first, and then get a grip on your unsecured loans slowly.