Click to verify BBB accreditation
A+ on BBB
Community Chat
Community Area
Search:

Helpful Resources


Community




Creditmagic Twitter





Credit on Facebook



HomeCredit ForumCredit repair

Is credit repair always a scam

 Post reply  Start a topic
asked: Do you think credit repair companies are always a scam?
Options Results Votes
Yes
13% 13% 
 5 
No
39% 39% 
 15 
Somewhat
47% 47% 
 18 
Total Votes 38
Please login to cast your vote.
Author Message
Options
Print this topic
Invite a friend
Email this topic
  Bookmark online
Add to del.icio.us
Add to YahooMyWeb
 
coleman



Joined: 12 Jul 2008
coleman's page
Posts: 2



98 Magic Points
 
 Posted on Tue Jul 22, 2008 9:32 am  
No

Never

Its not always put as a scam

it only depends upon the condition
Guest







 
 Posted on Tue Jul 22, 2008 2:44 pm  
I have gone through debt consolidation before, and everything worked out like I asked it would. My credit is better, and the fees were def. worth the experience.
JPolito830



Joined: 21 Jul 2008
JPolito830's page
Posts: 26
Location: Richmond, VA


908 Magic Points
 
 Posted on Tue Jul 22, 2008 2:45 pm  
I agree that it depends on the conditions and which company you choose. I chose a solid company, that I reviewed online for several weeks. Worked out perfectly!
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4285



127 Magic Points
 
 Posted on Wed Jul 23, 2008 12:01 am  
Good thing to do JP. Never trust a company you haven't researched. A good place to start that research is BBB (better business Bureau). You can see complaints that have been filed and how they are rated. You amy also find ones that may help you by looking at hrier mreviews.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3927



10 Magic Points
 
 Posted on Thu Jul 24, 2008 1:12 am  
And you can always come here and look for advice, many people here have had experience with many different companies.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4285



127 Magic Points
 
 Posted on Fri Jul 25, 2008 12:11 am  
That is also a really good avenue to take as good natured suggests. You could post it as a quaestion and see if anyone else did any business with whom your are considering.
best buy credit repair .



Joined: 25 Jul 2008
bestbuycreditrepair's page
Posts: 8



1096 Magic Points
Subject: CREDIT REPAIR
 
 Posted on Fri Jul 25, 2008 1:32 pm  
10 years ago I filed for bankruptcy. From then on, I have been doing credit repair on my own and my wifes credit files. It is a full time job just knowing how to handle each negative trade line on your report. There are legitimate credit repair services out there. I used Lexington law, who turned out to be the worst, monthly fee schemers. I did then get tired of the wording, "this item has been verified" letters. So............ I decided to read up on the Fair Credit Reporting Act.
I am now certified. I do credit repair as a part time Job. I have had very good results. It is all in the know how. Took me ten years to learn, but I learned. The draw back to repairing credit is the time involved. Following through on replies, how to handle a collection agencies verification, or validation letter sent back to you. Its like trying to sell real eastate, You need to know what you are doing.
Feel free to visit my site:

Bestbuycreditrepair.com
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3927



10 Magic Points
 
 Posted on Fri Jul 25, 2008 10:00 pm  
How long have you been doing it?
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 364



4810 Magic Points
 
 Posted on Sat Jul 26, 2008 12:27 am  
I dont think the writer of the post you are inquiring about reads the threads. He has posted the same thing in each thread on this site
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

www.homecreditrepair.net

http://homecreditrepair.hqforums.net/
LadyMonteCarlo



Joined: 26 Jul 2008
LadyMonteCarlo's page
Posts: 1



31 Magic Points
Subject: Do you think credit repair companies are always a scam?
 
 Posted on Sat Jul 26, 2008 12:53 am  
Absolutely!!!!!!!!!!!!!
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4285



127 Magic Points
 
 Posted on Sun Jul 27, 2008 1:18 am  
It seem like everyone is tiring of seeing this poster.
aprilsjewels



Joined: 27 Jul 2008
aprilsjewels's page
Posts: 4



179 Magic Points
Subject: Do you think credit repair companies are always a scam?
 
 Posted on Sun Jul 27, 2008 5:44 pm  
I feel that they make rpomises to disperate people and then get them into a poor idea about allwoing your payments to fall behind and that they will degotiate lower interest and lower pay back amounts, BULL!
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 516



13571 Magic Points
 
 Posted on Mon Jul 28, 2008 12:27 pm  
I always prefer to educate myself with credit related issuers. This not only saves money, but also helps us to encounter future credit problems and helps us to learn ways out of credit problems.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
Guest







 
 Posted on Mon Jul 28, 2008 1:53 pm  
That is a good way to do it Anthony. I think ,ore people need to take your approach and educate themselves. Credit is a necessity and knowing how to understand all the aspects of it is really important.
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4285



127 Magic Points
 
 Posted on Mon Jul 28, 2008 1:54 pm  
That is a good way to do it Anthony. I think ,ore people need to take your approach and educate themselves. Credit is a necessity and knowing how to understand all the aspects of it is really important.

Quick Reply
Your Name
Subject
Message body
 Previous  1, 2, 3, 4, 5, ... 17, 18, 19  Next  
Page 4 of 19

 





Home|Contact Us|Terms of Services|Privacy Policy|RSS
* Disclosures:
  • Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
  • Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
  • Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
  • Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
  • The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.
Page loaded in 21.098 seconds.