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Anyone ever try a credit repair expert?

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erb1953



Joined: 31 Dec 2007
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Posts: 547



-100 Magic Points

 
Posted on Mon Aug 25, 2008 12:04 pm  

I hear ya!
fireyone



Joined: 26 Feb 2008
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95 Magic Points

 
Posted on Mon Aug 25, 2008 12:25 pm  

I bet they lose alot of cash too. Seems like risky investment and high stress job. All for what?
goodnatured



Joined: 03 Nov 2007
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374 Magic Points

 
Posted on Mon Aug 25, 2008 10:59 pm  

Some people have the knack for collecting, it does not have to be ruthless and mean, I think the ones that are descent to people and follow the laws are very successful. I guess the collector has to put themselves in the debtors shoes and then proceed from there.
_________________
Goodnatured,
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fireyone



Joined: 26 Feb 2008
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95 Magic Points

 
Posted on Tue Aug 26, 2008 1:39 am  

That is true but rarely happens Gn. Too many of these places just want to scare people to death and force them to commit to payments most can not even make.
goodnatured



Joined: 03 Nov 2007
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374 Magic Points

 
Posted on Tue Aug 26, 2008 1:47 am  

I have had them about 50/50, I have found that it depends on how old the debt is, the older the debt the nicer they are, because they know that you have not paid it by now, there is a good chance that you are not going to, so they treat you a little differently.
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fireyone



Joined: 26 Feb 2008
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95 Magic Points

 
Posted on Tue Aug 26, 2008 1:52 am  

I honestly don't see much in payong the old debt. I am sorry if I sound rude but there are no really good benefits from doing so and if one time you jit a rough spot and can not pay an installment you just screwed yourself. Not only that if it was $300 to begin with wny would I want to pay half of the $2000 it is now?
goodnatured



Joined: 03 Nov 2007
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374 Magic Points

 
Posted on Tue Aug 26, 2008 1:55 am  

I see your point, I have paid off a few and they still linger in the negative column of my report.
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for all the ways I make $$ online
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fireyone



Joined: 26 Feb 2008
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95 Magic Points

 
Posted on Tue Aug 26, 2008 2:05 am  

See no kickbacks huh? what ever happened to you scratch mine and I'll scratch yours..
goodnatured



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374 Magic Points

 
Posted on Tue Aug 26, 2008 2:09 am  

collection agencies don't care about what they leave behind, they will leave it on your report unless you take action in the beginning, when you are trying to settle it out.
_________________
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fireyone



Joined: 26 Feb 2008
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95 Magic Points

 
Posted on Wed Aug 27, 2008 12:07 pm  

Guess they would see alittle more of this action if they would do a little something to help the credit report look better and use a nicer tone right?
goodnatured



Joined: 03 Nov 2007
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374 Magic Points

 
Posted on Thu Aug 28, 2008 2:29 am  

unfortunately their only concern is getting their money and making a buck off their investment, especially the junk buyers. That is why it is really important to know the laws and rules of collection, especially those that surround your state's statute of limitations because if they can talk you into a dime, they have talked you into starting your statute of limitations all over again just by wanting to take care of a debt. So make sure that you are aware of it before going in, unless you are willing to set up and keep payment arrangements it may be a good idea not to set anything up until you have the money to pay it off completely.
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markdeviz1
Guest






Subject: credit repair
 
Posted on Thu Aug 28, 2008 6:03 am  

Hi
This is better option if you choose best credit score first you have to make sure whats your credit history. thats shows bad please contact those who provide best free credit reports and score online. some sites is here thats suit
you free credit reports online dot US
markdeviz



Joined: 27 Aug 2008
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Posts: 13



973 Magic Points

 
Posted on Thu Aug 28, 2008 6:13 am  

Hi
I think you must contact to best services providers of credit score there are various services providers on net please search best expert those who arranges free credit score online and reports.
_________________
dwilliam
Guest






 
Posted on Thu Aug 28, 2008 10:40 am  

I have gone through the site, and there was no information on how to get a free credit report and score from them. I think this is a spam.
fireyone



Joined: 26 Feb 2008
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95 Magic Points

 
Posted on Thu Aug 28, 2008 12:07 pm  

If you are just looking to view your report you can get a copy of that at www.annualcreditreport.com. It will not give you your credit score though unless you pay a small price.
GN, I try to just let the ones past SOL go. If I had the money straight out tom pay and be rid of it I may consider but I won't risk starting the clock over. Plus you always read stories here and other places that tell of a debt being paid and then years later it being picked up again. Yes, sure you can show you paid it and not be responsible but if you lose any documantation due to moving, fire, or misplacement..then what? Pay again.

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