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Is credit repair always a scam

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asked: Do you think credit repair companies are always a scam?
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Yes
15% 15% 
 6 
No
40% 40% 
 16 
Somewhat
45% 45% 
 18 
Total Votes 40
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Cerlam



Joined: 22 Jul 2014
Cerlam's page
Posts: 12



82 Magic Points

Subject: Do you think credit repair companies are always a scam?
 
Posted on Wed Aug 13, 2014 9:24 am  

Hi Laura

No, not yet every credit company is going to scam.only few credit companies going to scam.
Alix_W



Joined: 24 Jan 2015
Alix_W's page
Posts: 1



12 Magic Points

Subject: Credit Repair
 
Posted on Sat Jan 24, 2015 8:39 am  

While there are some credit repair services that are legitimate, the problem I've come to find with a lot of the services is that they are a complete waste of time due to the amount of time you are sometimes required to be enrolled in their programs "for best results". Months and months go by with you having to pay monthly fees for minimal work on their end.

Goodnatured is absolutely correct when he said "Educating yourself on the laws of fair debt collection and knowing your rights is the first step."

I say this because I just recently discovered a DIY credit repair system that is revolved around loopholes (legal) that many people know nothing about in regards to specific parts of the Fair Credit Reporting Act & Fair Debt Collection Practices Act. I had a friend tell me about it and I just recently started the process. She has increased her credit score from 550 to 725 in no time. The site is listed below but if anyone has any questions feel free to contact me. Like I said, I am new to the program but I am optimistic. I feel like I am at a point that I am willing to try improving my credit report on my own as long as it is legal and doesn't drain my bank account or waste my time in the process.
_________________
secretcreditrepair.org
creditrepairqueen
Guest






Subject: Is credit repair a scam?
 
Posted on Sat Jan 31, 2015 1:28 am  

This is a myth that the media wants everyone to believe to prevent people from making the important step and fixing their credit. As long as you do your research and know the right questions to ask when interviewing a credit repair organization, you should be able to feel comfortable with your decision. There are many ethical and affordable credit repair organizations out there whose goal is to help those struggling with poor credit. Please listen to warning signs such as: We can permanently remove all negative items in 30 days even if they''re accurate. Listen out for companies that promise you a specific credit score because that is against the law since the organization does not control the results of the disputes or the credit scoring model used to calculate your scores. Listen out for companies that do not ask you for ID documentation to send along with your dispute letters. There are mandatory forms to receive like a notice of cancellation and your credit file rights, if you sign up with a credit repair company. Just know that there are companies who genuinely care and will do their best to help improve your credit status. If you want some more information on a great credit repair company, please reach out and I''ll be happy to share some info.')
Karen Peterson
Guest






Subject: Credit Report Fix
 
Posted on Fri Sep 15, 2017 6:34 pm  

Anyone swamped in various forms of debt with mortgage, rent, credit cards, student loans, taxes, car & personal loans and other inquiries affecting your credit score report? Write to easyhackghost@protonmail.com for help consultation. He assisted me clearing all my debts and rebuild my credit score report.
Dickson Barley
Guest






Subject: Best Hacker
 
Posted on Thu Nov 02, 2017 5:40 am  

I also have issues because i have bad negative report on my credit report on my name. He helped me delete that particular negative items on my credit report and help me increase my credit score to 829 golden score. I will always advise you to hire the best. I've used him couple of times and i have him to my friends that can't stop thanking me. (Godeyeviewhacker@hotmail.com) or (443) 338-3730
Faith Williams
Guest






Subject: Repair
 
Posted on Tue Nov 28, 2017 8:50 am  

Globaltechnologies46@gmail.com was able to remove all charge offs on my credit report pretty quickly. Definitely recommend them!!!
Credit Absolute
Guest






Subject: Most credit repair companies are dishonest
 
Posted on Wed Nov 29, 2017 12:12 am  

You can absolutely do anything a credit repair company can do yourself. If a company only disputes negative items on your credit report they are not worth very much. Find a company that is education based and has monthly reviews to hold you accountable to a budget and will see you through to your credit goals. You want to build a solid credit foundation and learn how to manage accounts to maximize your scores. ALWAYS check as many sources as possible for a companies reviews and reputation. I always make sure they have a physical location you can go to if you want. Most credit repair companies subcontract out their dispute letters in an automated process so really you are wasting your money with them. Our company will happily go over your report with you and do a complete audit and gameplan with you that you can follow completely on your own without us. Although most people do not have the time or patience to want to do so. A great credit coach is worth every cent. Be wary of monthly fees as its in their best interest to do just enough to keep you on the hook. We are not the only company that can help you but I can promise you that if you want a real and honest credit audit and gameplan we can help you. Credit is your biggest asset or a major obstacle in your life it is up to you to choose which one you will let it become. Educate EDUCATE EDUCATE yourself.

Couple tips to follow
-Pay your bills 3 days before your statement date ( Reports smaller balance to CB) which lowers your credit card utlization
- It doesnt matter how much you use a card as long as you get the balance below 50% by statement date and really you need to be below 30% utilization for it to start counting positively.
- Atleast have 2 credit cards and 1 department store card. (Mix of credit) under 30% utilization.
-Department store cards from different stores can be issued by the same bank so your utilization on one card can effect your credit worthiness on another.
-Never close positively reporting accounts if possible. Length of credit is 15% of your score.
- Leverage your credit to get ahead not to get by.
- Go slow and stay in your comfort zone. If you have a problem with living within your means then get an adviser to hold you accountable.
SEVENTY7
Guest






Subject: hacker
 
Posted on Sat Dec 30, 2017 1:43 pm  

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We await your messages as all our staff are on guard and always fast to response,working with us will leave your work/hack UNTRACEABLE.
darex
Guest






Subject: creditfi is different
 
Posted on Thu Jan 18, 2018 7:08 pm  

i had a terrible credit situation. CREDITFI indeed resolved mine and i had to mull over my friends debt on the card but now its all fixed. i had my score from 621 to 657 lol but they are the geek. i go them via there email resolve1@creditfixtech1.com
CREDITFI
Guest






Subject: FIX YOUR BAD CREDIT
 
Posted on Fri Jan 19, 2018 8:02 am  

CREDITFI
Need personal loan? we can help!!
$5000 to $50000

This program specializes in financing individual personal loans and desires to fix bad credit (i.e. You have your card maxed out or low credit min. is 600). CREDITFI specializes in fixing clients bad credit and rendering loans with the above range. This program is nationwide now!

WHAT DO YOU NEED:
# Min 600 credit score.
# Completed application.
# Credit release authorization

Formore inquiries;
Mail us at resolve1@creditfixtech1.com
Text or Call: +16078004681
CREDITFI
Guest






Subject: FIX YOUR BAD CREDIT
 
Posted on Fri Jan 19, 2018 8:02 am  

CREDITFI
Need personal loan? we can help!!
$5000 to $50000

This program specializes in financing individual personal loans and desires to fix bad credit (i.e. You have your card maxed out or low credit min. is 600). CREDITFI specializes in fixing clients bad credit and rendering loans with the above range. This program is nationwide now!

WHAT DO YOU NEED:
# Min 600 credit score.
# Completed application.
# Credit release authorization

Formore inquiries;
Mail us at resolve1@creditfixtech1.com
Text or Call: +16078004681
fox
Guest






Subject: creditfi is different
 
Posted on Fri Jan 19, 2018 8:06 am  

Anyone caught in various forms of debt with mortgage, rent, credit cards, student loans, taxes, car & personal loans and other inquiries affecting your credit score report? Write to resolve1@creditfixtech1.com for help consultation. He assisted me clearing all my debts and rebuild my credit score report
MaryJ
Guest






Subject: Free Credit Repair
 
Posted on Thu Jan 25, 2018 5:44 pm  

I found a great website that is completely free and offers a do it yourself tool for credit repair. Its available in English and Spanish. It was featured on Bay News 9 Tampa bay news. Worth checking out! https://freecreditfixletters.com/
James Chester
Guest






Subject: Credit repair scam
 
Posted on Fri Feb 23, 2018 9:30 am  

I have been a victim of scams looking to eliminate negative reviews and my low credit score. Real hackers don't go publicizing and soliciting on public forums. They are on the dark web. The lots on here are scams looking to rip you off. I pulled this good hacker on the dark web. Reliable and fast. I will give out his contact for free. Email: thecybergeek@mail.ru Cell:+1(615)592-0053. You are welcome.

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