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Thomas Jasper
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Subject: Credit Repair is a true investment!
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Mon Nov 24, 2008 5:24 am
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| Cody it paid off to get on your program I have a 755 mid thanks to you its hard to belive in Febuary of this year I had a 496. We are closing on our house Tuesday 169K home. Thank you, I will send you a picture of the whole family in front of our new home. For anyone who thinks they want to save money and try to fix their own credit, why bother call Cody up he saved us 289.00 a month and got us to a point where we could get a home loan! WOW! //////CodyTheCreditCowboycom |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sun Nov 30, 2008 4:42 am
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| I look at all the responses and just tend to think this is all a fraud. Any posts that say Cody has helped them are either made by a guest and not a forum member or someone who just became a member. I can look at the amount of credit points under there forum name and see they got on long enough to lasso up some free advedrtising for Cody. |
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Buzz Kill
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Subject: Fireyone you might be right?
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Thu Dec 04, 2008 11:47 pm
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| Fireone you might be right, but if you do not know, you can not knock it till you try it. I have heard CODY THE CREDIT COWBOY on 100.7 FM THE WOLF out of Seattle,WA he is sooo funny, and they help tons of people Lasso them bad issues! Give it a shot, joint the team, stop waisting time and get your credit fixed! |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Fri Dec 05, 2008 12:12 am
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| I haven't tried it yet. But...........lots of great reviews on here. Maybe i will. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Fri Dec 05, 2008 12:24 am
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| I've looked at the website of Cody the Cowboy. However..........the website din't show any kind of fees, etc. is this a free program? |
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Doc
Joined: 02 Dec 2008
Doc's page
Posts: 203
Location: McKinney, TX
954 Magic Points
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Fri Dec 05, 2008 1:53 am
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I can say this much... In defending those of us IN the credit repair biz that are legitimate, paying for the service isn't necessarily a bad idea.
Please know that I'm being careful not to step on any toes here, but I can tell you that the content and quality of the letters that my company uses (and there are HUNDREDS, NOT just a handful...) are faaaaaaaaar superior to many of those I have seen on this and other forums like it.
Again-- Please understand that I do not intend to disparage any of the contributions or efforts of the contributors of this site... Any effort is (generally) better than none, and is to be applauded. That said though, there is a difference... Once again, I offer the examples page of my website as proof....
It's the old, "you COULD represent yourself in a murder trial" theory... Would you, though? Or would you hire an expert (lawyer) to do it..?
Or how about mowing one's own yard..? Sure I COULD do that, but it would take me the better part of my Saturday, and I'd be to exhausted to do anything else for the rest of it... ~Makes more sense for me to pay someone who does it for a living, who has proven techniques, and the necessary experience and tools to do it effectively...
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-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Fri Dec 05, 2008 2:23 am
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I think at some point people get really tired of forking out money DOC. I know in my experience I have dealt with some pretty ruthless collectors who were just out right jerks, needless to say it put a really bad taste in my mouth. I guess I see your point, let the experts do it, if you can afford to do it. I know at one point I could not afford to pay much of anything and then I had these bill collectors on my butt on top of it all, way tooooo stressful.
I think it is a matter of trust also, some people have been burned so they don't have alot of trust in these companies.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Fri Dec 05, 2008 11:43 am
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I think you hit on the heart of the situation here Good Natured. Usually when a person has debt collectors calling them it is because the have hit hard finacial times. Most simly can not pay the extra fees to these types of places because they do not have it to pay. At least they try this self help method which is better than doing nothing ans Doc said.
I had an ex- family member who went through a debt consolidation company and they added so many fees on that they were lucky to ever get the situation straightened out..they have been paying stilol for years. I know this is maybe different than debt repair. I think I would give it my best shot and then if it proved to be getting me no where then I would seek other options. |
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Credit Repair Worth
Guest
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Subject: Client
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Fri Dec 05, 2008 8:38 pm
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| What you save in intrest, its not worth the time waisted, time cost so much money, and it is the one thing you never get enough of. I tell you signing up to get my credit fixed was well worth it! |
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Paul Spearman
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Subject: Cody I put my info in on your webpage tonight.
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Sat Dec 06, 2008 12:28 am
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| Cody I wanted to ask you a question, why does a dispute with a creditor take so long to get resolved, and most of the time there is no change in my score or any negative items removed. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Sat Dec 06, 2008 3:19 pm
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| CODY: I'm NOT saying it's NOT a good company. I jusy haven't 'looked into' it yet. However.......I've read BOTH positive and negative things, on this forum, about the website. Mostly positive..however. I DID fill out the form 'on-line' and the company DID call me back. I jusy haven't had a cjance to return their call. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sat Dec 06, 2008 3:45 pm
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| I still stand by the thought to give repairing your credit by yourself a shot first. If it doesn't work out you will always have the other option. From reading things on here it doesn't seem that hard to get your own credit reports back on a good track. Have you tried doing anything yourself yet SD? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Sun Dec 07, 2008 6:03 am
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I don't know, cody is looking like a legitimate product, at least according to doc, I have always wondered what it would cost someone to clean up their report. No one ever gives that type of information. I know each case is different, but a range would work for me. If I knew for sure that I could get my score raised and have some negatives taken off sooner, I may be open to paying for it. Thing is no one ever puts a price range out there for this type of service.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Sun Dec 07, 2008 2:53 pm
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| Well, FIREYONE, I've looked into my CR (again). There are a few debts that will 'fall-off' soon. Also.......a few debts that the SOL has expired, but, the debts still remain. Can you tell me, FIREYONE, is it better to do the 'dispute' over the web or should I just send a 'dispute' letter to them via mail? Which is more effective? To tell you the truth, I'm just not sure where to 'start' on all of this. Sometime agao, there was a debt, on my CR that the 'fall-off' had past. I 'disputed' this, over the net, with the CB. It was taken off. However.......what about the debts STILL on my CR? Sol expired, but, still on there? Would it be as 'easy' to remove them? |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sun Dec 07, 2008 10:17 pm
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Even if your SOL is expired that debt will still remain on there up until 7 years has passed since the last reported activity on an account. The best way for me to explain this to you is to give you an example:
PA Statute of Limitations is 4 years. So you have a credit card and quit making payments in January of 2000. That debt will not fall off until January of 2007. The debt collector though can not sue you and win after the SOL. So in January 2004 a collector can not sue you for that debt.
You are confusing the "fall off" date and the SOL date. |
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