How effective are Credit Repair Services?
big_burner asked:
I have bad credit right now (around 540), and I am trying to fix it. I was wondering if the Credit Repair Services are any good? Also, do you have a recommendation for one that is trusted and worth the money?
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I have bad credit right now (around 540), and I am trying to fix it. I was wondering if the Credit Repair Services are any good? Also, do you have a recommendation for one that is trusted and worth the money?
April 19th, 2010 at 11:32 am
They will charge you fees (possibly thousands) for something you can easily do yourself.
Get yourself a book at your bookstore on Credit / Debt Repair.
All the tricks are there - it’s common knowledge how to fix credit.
They teach you how to negotiate, settle, set up payments, and how to do the pay on delete correctly.
You can save a whole heck of a lot of money by negotiating if you do it right.
This book could be worth it’s weight in gold for you.
/ Judy
April 20th, 2010 at 11:49 pm
Most credit repair services are pure scam. Save your money. There is no way to remove legitimate derogatory items from your credit report. You just have to wait out the 7 year reporting period.
Even if you do get a legit item removed, it is very likely to show back up the next time the creditor updates or if the debt is sold to another collection agency. bdancer222
April 21st, 2010 at 6:11 am
Not at all
You don’t need them
Call all your creditors and tell them that you re on hard times but you will be paying every week or month so much IE 20,50 etc. Dollars until account is paid.Say a polite thank you stick to the promised paymentt and there you are your own account adviser.
I got out of a 25000 dollar by doing this way and my credit record is spotless.
Good luck
Please rate manny k.
April 21st, 2010 at 3:47 pm
I agree with Judy. It elemental. Live within your means. If you need someone to talk to your creditors, why would they ever want to deal with you? mildred f
April 23rd, 2010 at 6:38 am
Hi -
The fact is there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan. Jason Alexander
April 25th, 2010 at 3:50 am
I will suggest you to speak with. I am sure they will guide and will assist you if you will be in need to any Credti Repair Service. Seoconsultant
April 27th, 2010 at 3:55 am
I would check out a website like They have a lot of information on credit repair companies and programs. Bryson
April 28th, 2010 at 4:14 am
Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-score.10001mb.com Roger
April 29th, 2010 at 4:37 pm
All credit repair business are in it to make money, they could care less about you and your credit. There is only one way to clean up your credit and that is it works more to earn more money and spend less money so that you can pay off your debt. So earn more, spend less. Very simple, stays clear of those companies and take responsibility for yourself. Thunderwave