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sandrabennett39
Joined: 25 Apr 2009
sandrabennett39's page
Posts: 1
20 Magic Points
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Subject: companies that say they can help
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Sat Apr 25, 2009 2:16 am
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| do you think that using a company to help with your credit is a good idea or does it really work |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1308
28489 Magic Points
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Sat Apr 25, 2009 7:57 am
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Hi Sandra
I think that you should go for credit repair agencies only if you think that you cannot do it yourself. Credit repair is not at all a difficult task, but you should have patience to do so. All you need to do is to pull out your report and dispute the debt first with the creditors by sending a debt validation letter by certified mail. If the creditors cannot validate the debt, you should dispute it with the bureaus and get it removed from your report.
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Keep in touch
Carol |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17413 Magic Points
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Sat Apr 25, 2009 8:26 am
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Yes, I agree Carol. As per the FTC guidelines, no body can remove negative items from your report if the information is correct. Most repair agencies even make false claims that they can remove negative items such as bankruptcy and judgments from your report and so you should be aware of them. However, you can remove some outstanding debt listings from your report, through pay for deletion agreement if the creditor agrees to it. Moreover, unauthorized hard inquiries can easily be removed from your report by sending letters to the inquirers asking them to remove them from your report. You can find sample letters if you visit the link letters of credit.
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Where there's a will, there's a way !! |
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GarySnober
Joined: 08 Apr 2009
GarySnober's page
Posts: 67
6 Magic Points
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Thu Apr 30, 2009 6:07 pm
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| Yes mary and carol are correct most companies will say anything to get something removed from your credit. And watch out for a lot of fake and rip off companies right now. |
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