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credit repair companies?

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pmill
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Subject: credit repair companies?
 
Posted on Sat Aug 11, 2007 12:32 am  

Has anyone heard anything about credit repair companies? R they effective? I see a bunch online. How will I know which to use?
Morningstar

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Posted on Sat Aug 11, 2007 10:42 pm  

There is pretty much nothing they can do for you, that you cannot do for yourself.
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Laura

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Posted on Mon Aug 13, 2007 5:33 am  

Hi,

What they do for you for $2000 can be done by you yourself without wasting that money.
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Laura.
carol

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Posted on Mon Aug 13, 2007 8:57 am  

HI,

If you need to repair credit do it yourself.
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Carol
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Posted on Fri Aug 17, 2007 12:16 am  

I called one just the other day, and they told me that they can run a report that shows more detail than the equifax 3 in 1 report shows.

This doesn't seem right to me, can someone clarify which is true, that the equifax report is complete, or that the repair person can get more info?
Laura

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36215 Magic Points

 
Posted on Fri Aug 17, 2007 5:34 am  

Plain and simple the repair companies try to bundle and you fall prey to it. Well frankly speaking there is no other proper report that can be given to you but by Experian. They are the agencies who keep your track record and thus will always have the up to date report. You are also getting the free offers right?

Apart from that you do get one free credit report every year from the credit bureaus. So why spend money on empty promises?
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Laura.
Nick



Joined: 17 Aug 2007
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334 Magic Points

 
Posted on Fri Aug 17, 2007 6:04 am  

Free offers? For credit repair? Nope Haven't gotten any of them yet.
And thanks for the reply, I didn't think they could get any more detailed reports than I could.
Laura

Laura

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36215 Magic Points

 
Posted on Fri Aug 17, 2007 11:09 am  

No I meant free credit reports not offers from them. Smile
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Laura.
Nick



Joined: 17 Aug 2007
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334 Magic Points

 
Posted on Fri Aug 17, 2007 4:19 pm  

Yeah I have been getting them and using them. Thanks
sdchargers_63

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1916 Magic Points

Subject: credit repair
 
Posted on Sat Aug 18, 2007 4:52 pm  

This is how I am trying to deal with repairing MY credit. Of course, you have to obtain your Credit Reports. Look to see which ones are deliquent and 'out of date'. 'Out of date' ..I mean which ones are pretty old ones. THOSE ones you should 'dispute' ( to get them taken off). The' older' the deliquent account, the higher chance you can gt them to get taken off. I did that, and a few ( negative ) accounts were taken off. Also..you have some ( negative ones ) that will 'drop off' by a cretain date. That will raise your score, a bit, too. My point is.............instead of paying a Credit Repair Company ( that " promises you the moon" and asks for "payments" you don't have anyway), you can use that money to payoff different things. If you 'do-it-yourself', you can repair your credit at YOUR 'pace', NOT the "credit Repair Company. Hope this helps.
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Posted on Sat Aug 18, 2007 4:53 pm  

Yeah actually it does, thanks Smile
sdchargers_63

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Subject: credit repair
 
Posted on Sat Aug 18, 2007 4:59 pm  

Just want to add ( and I add stuff all the time..LOL ) I just read a few 'Credit Repair Comapny' ads. It says, " you can raise your score by 200 points, within 30 days". As I was reading the ad, it says you can buy an " amazing book that shows you how to do this"...this 'amazing book' was a 'measly' $90.00!! Instead of buying this book, you can pay some debt with it!! "Rome wasn't built in a day"...start small with paying off debt.
Laura

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Posted on Mon Aug 20, 2007 6:26 am  

Seriously Wendy, I feel gladdened to see your effort to solve problems.

Quote:
As I was reading the ad, it says you can buy an " amazing book that shows you how to do this"...this 'amazing book' was a 'measly' $90.00!! Instead of buying this book, you can pay some debt with it!! "Rome wasn't built in a day"...start small with paying off debt.


Great suggestion.
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Laura.
Laura

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Posted on Mon Aug 20, 2007 6:27 am  

Even let me add something here Smile

How can someone promise of increasing the score by 200? Do they know how the bureaus work and calculate? I doubt these false ads.
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Laura.
OVGuillermo
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Subject: Thank You for site
 
Posted on Sun Aug 26, 2007 4:59 pm  

Thank you for your site. I have found here much useful information.
Good site ! Wink

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