Credit Repair Help

sweetsmile1982 asked:


A good credit report is very important for living a comfortable life of financial freedom but it’s difficult to recover fom a bad credit report once you’ve made a few mistakes. Credit repair companies can be helpful, especially if you allow some time for your file to be worked on before you need it completely done.

mjgreeley909 asked:


I keep watching all of your responses and I think a lot of them are great so I thought maybe you guys could help me out. I have bad credit (dont know how bad, cant find a website that could give me my credit score free). I know I have a cell phone bill for $1000. A phone bill for $350. Credit card for $450. A cable bill for $127 (that has been paid but is on my credit report as bad). And god knows what else. I always here you guys talking about getting your credit report and disputing them but I know I owe these people. I am a single mom that doesnt work a lot. Can anyone give me some good advice on how to get these off my credit report. I would like to have decent credit within the next 2 years if possible. THANKS IN ADVANCE!!

roseanne asked:


I want to fix my credit fast, because my husband and I want to buy a new house in about 6 months. There a lost of credit repair companies out there. They say that they can remove bad hits on your credit report.

Has this worked for anyone? If so, which company? How much did you have to pay them? How much did your credit score increase? How long did it take?

Thanks a bunch!

angieward_2000 asked:


I just ran my credit report and there are several hits on it to say the least. Is it better to call the collection agencies directly and work out payment arraignments or should I call the credit consolidator people. And what is the best credit consolidator co to call?

awill110 asked:


I got my credit report today and it shows that my total credit amount is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit/max balance and that all of my credit cards hadn’t been reported since April. Is there an effective way to contact the credit card companies and get them to report accurate and up to date information to the credit bureaus? I feel that this issue is affecting my credit score, so I would like to fix this.

Thanks in advance.

jdr asked:


My spouse has bad credit from his business failure. I had credit cards on the same accounts but never used them. The banks refuse to remove me from responsibility.

oralee v asked:


How does bad credit come off your credit report once you have passed the 7 year deadline?

Brandon M asked:


If a bad debt is removed from my credit report because I disputed it, will my credit score with that burea be updated immediatly or will it take time?

LittleSpitfire asked:



The bad one stay on there for am in collection and 10 that are good standing how long would the bad one stay on there for am in.