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
 
CMBV22

CMBV22

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



4810 Magic Points
 
 Posted on Wed Jul 30, 2008 7:24 pm  
I couldn't agree more! I think that many people don't realize that repairing you credit is about the same as repairing an piece of furniture. It will take time and work but, anyone can do it with the right tools. Lucky for us the FCRA and the FDCPA are free tools given to everyone. Thats why this sites like this one and mine were started, to help people lean to use those tools. Yes, we place ads on the site to cover the costs of the sites but, you dont have to buy anything or even do anything other then read what you want to learn
_________________
****************************
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/
fireyone



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



127 Magic Points
 
 Posted on Thu Jul 31, 2008 2:10 pm  
I can see the purpose in the ad placing. Although I do not know much about the costs of a web site I can imagine like anything else there would be a price tag that went along with it.
goodnatured



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



10 Magic Points
 
 Posted on Mon Aug 04, 2008 2:02 pm  
I think sites like this one and yours are even more helpful in a few ways:

1.Sometimes when we are reading laws and rules about things it is really hard to understand. There is no room for questions or comments on those sites, just the frequently asked questions that often does not touch the details of our situations. So we are left with a not so clear answer and need some more one on one.

2. Sites like yours and this one give the personal touch and we get to deal with people who have a personal experience in dealing with collections and what to do when they just violate the law, either by being rude, calling on off hours or just plain ignoring the debt validation requests that we send.

3. I think that it leaves us a little confused on what to do when we send out a debt validation letter to one collection agency and they don't respond, but then sell it to another collector, they same debt is passed on and on, with no one taking the time to validate it. By passing it from collector to collector it causes confusion. I think that if they don't validate it then they should not be able to pass it on to another collection agency. How can you keep trying collect on an unvalidated debt?
_________________
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 Tue Aug 05, 2008 3:15 am  
Very well put and exactly right.
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 573



-53 Magic Points
 
 Posted on Wed Aug 06, 2008 4:40 am  
I could not have said it better, one thing for sure, you do get a clearer understanding of what is going on, rather than all the law mumbo jumbo, sometimes it is so confusing and leaves you with more questions than answers.
goodnatured



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



10 Magic Points
 
 Posted on Wed Aug 06, 2008 11:00 am  
I agree, it can be confusing at times.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 573



-53 Magic Points
 
 Posted on Thu Aug 07, 2008 2:44 am  
I am glad there are sites like this that put it all in clear plain english.
fireyone



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



127 Magic Points
 
 Posted on Fri Aug 08, 2008 1:14 am  
Now if we could translate to other languages and help with world wide knowledge...hum
goodnatured



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



10 Magic Points
 
 Posted on Sun Aug 10, 2008 5:21 am  
There are sites on line that do all the interpreting for
_________________
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 Mon Aug 11, 2008 1:24 am  
Wow then that is really really good. I am sure credit card debts aren't limited to AMericans and there practically useless dollar.
goodnatured



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



10 Magic Points
 
 Posted on Sat Sep 06, 2008 12:52 am  
I think on the debt site they have opened it up to a few different countries, I am not sure how the credit system works in any other country except for the united states.
_________________
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 Sat Sep 06, 2008 1:54 am  
It would be neat to see if they did. I post over there every now and again but I seem to favor this site more.
Linda_Lord



Joined: 30 Aug 2008
Linda_Lord's page
Posts: 4



150 Magic Points
Subject: Do you think credit repair companies are always a scam?
 
 Posted on Sat Sep 06, 2008 4:21 pm  
This was exactly what I needed to know.
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 573



-53 Magic Points
 
 Posted on Sun Sep 07, 2008 12:47 am  
The debt forum seems to be much further ahead of the game than all the other forums here, not sure why but there is a lot more going on there.
fireyone



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



127 Magic Points
 
 Posted on Sun Sep 07, 2008 12:50 am  
Really? Maybe I will have to make time to go over there and visit. I am sure to find soeminformation that would do me some good. I posted over there a few times most recently.

Quick Reply
Your Name
Subject
Message body
 Previous  1, 2, 3, 4, 5, 6, ... 17, 18, 19  Next  
Page 5 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.