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swapwap
Joined: 25 Mar 2008
swapwap's page
Posts: 4
367 Magic Points
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Subject: Credit Repair that actually works
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Tue Mar 25, 2008 10:40 pm
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| I have three charged off credit card accounts on 2 of the three credit agencies. I was able to get them off Equifax. Any recommendations on a service provider that actually works? No luck on getting off the other two and last repair service I tried a few months ago did nothing. Don't know where to turn now. |
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cbass1017
Joined: 01 Feb 2008
cbass1017's page
Posts: 145
Location: PA
1528 Magic Points
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Wed Mar 26, 2008 2:29 am
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Sorry but you just have to face the facts here. Credit repair companies are nothing but scams. Just because Equifax removed them doesn't mean that they won't show back up in the near future. The FTC has a good article about these kind of companies that I would advise you to read, http://ftc.gov/bcp/conline/pubs/credit/repair.shtm. Instead of paying companies to try to cheat the system you should start saving that money to just payoff and take care of the accounts. Maybe contact them and tell them you are willing to pay off the debts if they will first send you a letter stating they will remove it from your credit reports when paid. It doesn't always work but its worth a shot.
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Scott McKay
FreeOnlineCreditGuide.com |
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scott
Joined: 28 Jun 2006
scott's page
Posts: 462
10934 Magic Points
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Wed Mar 26, 2008 7:14 am
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Hi Swapwap,
A warm welcome to the forum. cbass has provided with a great link. It is time you do it yourself. Dispute it with the bureau directly and see how they respond. We are there to help. 
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SCOTT
Use your credit account responsibly and enjoy a debt free life. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: cr
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Wed Mar 26, 2008 10:14 pm
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| YEA...great advice, 'from above'..!!LOL I've researched alot of 'credit repair companies'. Also...looked on the BBB site, to see if they are legit. I've come across a few who have MEGA complaints. The ONLY real way to clear your credit, and it won't cost you a dime, is to do it yourself. Some people, on this forum, have wonderful advice, to lead you in the right direction. |
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Guest
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Thu Mar 27, 2008 12:58 am
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I've done so initially with a company and they were able to get EQ clean, that's been over a year now and it's still off and it worked partially. Then, I tried a company that was worthless. This is why I ask of a good company. The original on went out of business, but did work for me. I have sent letters to the other two to work on clearing them up but the send me that same ole same ol, " we have valuated with the creditor and it has been updated", funny how they don't have to prove that to me, just saying it is enought.... yet nothing was changed. I called them and they basically tell me to deal with the creditor. Well the creditor has no use to speak to me because they sold it off and no longer own it, so I feel stuck.
Aside from this, where would I start and what process do you recommend that would actually work? |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: cr
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Thu Mar 27, 2008 4:58 am
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| When I had items deleted, from my Credit Reports, I've actually had them mailed to me...with ALL 3 CB's telling me "these items have been 'updated' and deleted." However.....of course, these were items that SOL had expired. |
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Boxer
Joined: 27 Mar 2008
Boxer's page
Posts: 3
86 Magic Points
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Subject: I have had good luck!
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Thu Mar 27, 2008 9:48 pm
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| Actually I don't mean to be rude but not all Credit Repair companies are scams. I actually had 30 out of 32 negative items removed from my reports at all 3 agencies. I am new, and not sure of the rules. So I don't want to post the name of the company. If you would like to know you can send me a message. |
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Dann325
Joined: 26 Mar 2008
Dann325's page
Posts: 20
757 Magic Points
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Thu Mar 27, 2008 10:12 pm
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| They are not scams I agree with boxer. But what peaple dont understand is they are nothing special. You can do the same exact thing they are doing, and have complete control over it just by doing your homework. Chances are, If you are trying your best to get your credit back to the top you dont really have the money to blow on a lawyer thats gunna use the same letters that you can use. Peaple fear standing up against the beast, knowledge is the strength to fight the beast. You can do the same thing they will do, nothing different. |
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shelah
Joined: 12 Feb 2008
shelah's page
Posts: 10
322 Magic Points
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Fri Mar 28, 2008 6:53 am
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| i agree with Dann325. they're not exactly scams, but just unecessary hindrances. |
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Guest
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Fri Mar 28, 2008 8:02 pm
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| any of you past three posters care to mention whom you used? |
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Morningstar
Joined: 17 Apr 2007
Morningstar's page
Posts: 601
11 Magic Points
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Fri Mar 28, 2008 8:55 pm
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Guest, you need to register; sharing of company names over the public forums is a violation of the Terms of Service; register and take advantage of the private message feature.
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I don't dream since I quit sleeping |
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Guest
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Mon Mar 31, 2008 1:59 am
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| sorry, registered now, if you could PM me, I would appreciate. ty |
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oxicJaino
Guest
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Subject: Subject1
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Mon Mar 31, 2008 8:15 am
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| I love your services and products, many thanks! |
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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 repair
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Tue Apr 01, 2008 2:25 am
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| There has been alot of advice on Credit Repair. I know lots of you say most of these companies are scams..but, some are not. Maybe I haven't found the ones that are NOT yet. I'd probably save myself a headache, if I do it myself, anyway. |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1400
34749 Magic Points
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Tue Apr 01, 2008 7:33 am
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Hi Guest...we still dont see you logged in. Infact I would love to know about the companies that are not scams. It is so difficult to find a good one amongst all the rotten ones.
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Regards,
Laura. |
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