Credit Repair Help Knowledge Base
Can I bring legal action to an attorney that promised to help me with credit repair, and has bounced? I paid $300 to an attorney that works with a real estate firm specializing in credit repair, by disputing and of such nature. He hasn't done anything, he is now unable to be reached? Took my money and left but still around. Can I bring legal action to him? (His company states that he's doing it on his own). I need a good attorney to help me out, what kind of attorney could help me in this case? Please help me.
Are credit repair companies legit and do they really help? I am trying to raise my credit score quickly. Right now I am at 593-around 650 depending on agency. So, by paying off the 5 credit cards that I currently have(some with amounts ranging from 1,500-2,500), should that raise my credit score a great deal? If not, will a credit repair company help or are they just a scam?
Is there a reputable company in the Philippines that help me repair my credit rating? I used to have 2 credit cards from Citibank (in the Philippines) -- Visa and MasterCard. Unfortunately, I was not able to pay these cards on time so I decided to cancel them while paying for the remaining balance. However, I was only able to pay off completely one credit card. Now that I'm more financially stable, I decided to apply for a new credit card. Unfortunately I was declined probably because of my bad credit record. Now, I'm looking for a reputable company (in the Philippines) that can help me repair my credit record .
How do I repair my credit? Ive already paid off delinquent accounts and now only have 1 credit card. Help? I had several delinquent accounts but have paid them all off in full. I am currently a student and have student loans but will not be required to pay them off until after graduation which is about a year from now. I currently have 1 credit card in my name and share one with my dad, with him as cosigner. How do I repair my credit so it'll be good enough for me to finance a car in a year or obtain a mortgage in 2 or 3 years? Help please?
Online Credit repair question please help? I went to the credit sites and disputed several items that were incorrect.... It has been more than thirty days and most of them still say "Pending October 13th" Which is awful because its past the 30 day mark... How can they do this? Am I screwed because I didn't do it by mail, but online?
Please help I need Credit Repair? I'm so sick and tired of having bad credit. Does anyone know any "Quick Fixes" to credit repair. I have a few judgements, but one of the judgements is satisfied and it doesn't state that on my credit report. Also, I owe the back taxes, I'm in desperate need of help.
Does anyone have a template that can help me repair my credit report? I am in the process of repairing my credit. I have a copy of my report from each agency, and I have support to show that many of these credit lines are inaccurate or incomplete. however, I would like to know how to format my response so that the reporting agency can understand my response more clearly. Any suggestions are appreciated:)
How do I repair my credit? it is so messed up please help me!!!? I have bad luck with fraud and I have two repo's, one was voluntary and the other one was repoded because the car was not working properly but I really need to repair my credit to have a decent future for me and my family I would get a securedcc but They have me in checsystem
Credit Repair? I have pulled a credit report and it's not out of the question to pay everything off and take care of that, but then what can I do to help repair my credit? Everything on my report is correct and I have nothing in my name besides 2 small ($300 & $100) loans from local loan companies. After everything is paid off will it still take a few years before I can get anything in my name?
credit report repair, what does it all mean and what can I do to help ? Hi,I am working Identiy Guard and it isn't expensive and all they do is provide updates when someone accesses my report and helps me contact issues. But I have settled via attorney 99.9% of my accounts, and like it says I have a credit card open that isn't open. To whom do i turn to get help just to understand it because I want it as clean as possible to raise my FICO score and because it has a lot of errors on it that would help my score. But I just don't understand all of the terminology there ? Any help or advice, please do not yahoo search and copy site, I need some practical person experienced device. They even say I should open a new credit card account because I haven't had any for 6 years and I need to show I can have one and pay it. ???
Should I start a credit repair service? I have been aswering questions for people on and off of the Internet and I have gotten at least twelve people asking me to help them with their finances. I am thinking it might be worth it to start a credit repair company. Most people are willing to pay $50 -$70 a month for my services. What should I do?
has anyone out there used hargrove and associates credit repair agency? does it work? While im making offers and removing things myself i felt paying a credit repair service $250 wasnt bad to help me due to the fact im in school again and working two jobs i really dont have time to follow up on everything. Has anyone used this service or a similar company. Does it work? i know what they do i just want to see has it worked for anyone yet?
How can I pursue action against someone who stole money from me in exchange for "credit repair"? Nearly a year ago I paid someone to repair my credit. She is licensed. I have a written contract. She has done nothing to help my credit and will not respond to email or telephone inquiries. How can I report her to state licensing agencies (Texas) and the credit bureaus? This person is not a member of the Better Business Bureau. She works for a mortgage company, but does the "credit repair" independently. By "independently", I mean she does not represent any company. This is her "side business". She is not representing a COMPANY. She is not a member of BBB. She is a licensed loan officer who does credit repair INDEPENDENTLY as a SIDE BUSINESS. I do have a signed contract with a ONE YEAR GUARANTEE, signed on July 23, 2006.
How can i open my own credit repair company? I am a mortgage loan officer and always send customers who have credit issues to a credit company to clean off their credit. I know people can do this on their own, but many do not have the knowledge and time to do it. I have also cleaned customers credit myself including mine and my wife`s and friends and family members but i have been doing it for free. How do i go about it in opening my own credit repair company? Where do i start?
How do you become a credit repair specialist? Also, how do you start a business repairing other people's credit and restructuring their debt so they can be approved and get the best rates they can for mortgages and car loans. What about helping them with ChexSystems and to get a better hold on their credit and finances. I know the income potential is $100K a year, and also you're helping people rebuild their lives from financial disaster so they don't have to resort to predatory lending such as cash advances, payday loans, title loans, rent-to-own, and sub-prime mortgages (to name a few). I understand with that said its very rewarding financially and personally. Thank you for all your help.
Is there a way to repair my credit rating quickly after having a debt company? I am now debt free but have been told that I will now NOT have a credit rating for 6 years as my accounts were defaulted after taking assistance from a debt management company but then paid off by my family? 1) Is this true? 2) Can anything be done to improve my credit rating? 3) What about these credit repair companies? Dare I ask about a mortgage??
How can I succesfully repair my own credit ? Do credit repair companies work? I want to build or buy a house for my family .This is no joke , I have seven kids . So it's very important that I get a good P.M.I. and a good interest rate or I'll never be able to afford it. I make about 60k a year , but one of kids had to have 5 brain surgeries right after she was born and this ruined my wife and my credit . Any suggestions would be appreciated. Please , serious stuff only.
Where can I find a trustworthy credit repair expert? I am trying to repair my credit by sending debt settlement letters to the collections agencies listed on my credit report, but they are not being cooperative. Most are saying they CANNOT settle the debt nor are they willing to delete the listing from my credit report after the debt had been paid. I don't trust any of these non profit credit counselors, but I need some guidance. I am begining to lose hope that this is even worth the trouble. Any advise?
Are there any credit repair companies that are legit? I want to fix my credit fast, because my husband and I want to buy a new house in about 6 months. There a lost of credit repair companies out there. They say that they can remove bad hits on your credit report. Has this worked for anyone? If so, which company? How much did you have to pay them? How much did your credit score increase? How long did it take? Thanks a bunch!
Credit Repair...? Looking for an agency to help me repair my credit after my divorce. Any suggestions of agencys you have used, which are not frauds.
How can I succesfully repair my own credit ? Do credit repair companies work? I want to build or buy a house for my family .This is no joke , I have seven kids . So it's very important that I get a good P.M.I. and a good interest rate or I'll never be able to afford it. I make about 60k a year , but one of kids had to have 5 brain surgeries right after she was born and this ruined my wife and my credit . Any suggestions would be appreciated. Please , serious stuff only.
Is there really a good credit repair agency ? I am trying to find a good credit repair agency. I want one who states upfront what they do and does what they say. I have some credit issues and will like to get as much help as I can to clean them up over the next two to six months.
Credit Repair? Has anyone tried one of these credit repair companies.. Not debt settlement or consoludation or bankruptcy. Credit Repair where they dispute items on your credit report
credit repair.? am i correct?? i just went to this credit repair place and JUST got some information on how they work....then i came home and found out that all they do is submit letters to credit places.//then they submuit them to the creditors and if they dont respond its deleted....isnt that the same thing u can do on the 3 major credit places website?? called credit disputing?? alll i want to know is--is what these people are charging all this money for (credit repair) if u do some research u can do it free urself?? that wasnt my question A mercer! i was asking the same thing credit repair services do u can do urself for free correct?
credit repair? any experiences with credit repair, credit repair agencies,books, websites, etc.... i need to repair my credit
Credit Repair? Can anyone tell me how I can repair my credit without going through a credit repair service? How long does it usually take for one's credit to be repaired to a decent score? Thanks.
Credit Repair? Hello to you all, If you are in the credit repair business can you please tell me a little bit about your experiences with this business, How much money do you make . And if you know of some really good course of software pertaining to credit repair please tell me about it. Thank you in advance!!!
credit repair? what is the quickest way to repair credit ? My friend is getting out a very bad divorce where his ex wife ruined his credit, they were more than 90 days late on cars, home. ect. score is about 550.
Credit Repair? I have no idea where to start to repair my credit. They are always offering free credit reports but I am leary of that. Could someone please tell me where to start?
Credit Repair? Has anyone heard of "The Credit Bible" is this legitimate? Also on www.adviceontime.com Does anyone know or have experience with the credit repair program on that site? It sounds good, but wondering if it really works?
Credit Repair? Do credit repair companies really work. has anyone had sucess with them.. improving credit by say 100 points or more? anyone have any solid information thanks for the info..but im looking for someone that has actually used one of these oompanies..1st hand knowledge
Credit Repair.? What is the real skinny on Credit Repair. Seems it costs quite alot. Is it honest and worth it. Can someone shed some light on this for me. Can't I do it myself and save the dollars and where do I get the info to do it myself?
Credit Repair? I am in the process of trying to repair my credit. I have been informed that a person is able to write a settlement letter. How would someone write such a letter?
credit repair? Do companies offering credit repair for a continuing monthly payment actually work?
Credit Repair...? Has anyone used one of these credit repair companies? Any good experiences, and why? Bad experiences, and why? Companies you'd suggest to go to, and why? Companies you'd suggest to stay away from, and why? Thanks. Please also let me know specifically what your results were using who ever you used.
Credit Repair? Hello, I am trying to get financed for a mazad miata. The salesman I have been working with indicated that because of several dings on my credit report he could get me financed but only with about 5K down. He advised me that he knew someone who could legally dispute alot of the dings and get them removed from my credit report. He claims he was able to get his own scroe raised above 700 points and said he could show me proof of that. My question is it worth going to see him to get more information on repairing my credit. He said it would only cost about 300-500 dollars and would only take about 45-60 days. Is it that easy to legally dispute debts and get them removed from my credit report. Am I looking at hidden charges?
Credit repair?? Where should I go to have my credit repaired? Attorney, credit counselors, who? A lot of my credit issues are about 5-7yrs old. Thanks ahead of time! Also how much will it cost?
Credit repair?? Where should I go to have my credit repaired? Attorney, credit counselors, who? A lot of my credit issues are about 5-7yrs old. Thanks ahead of time! Also how much will it cost?
Credit Repair? Hello, all, I'm working at repairing my credit and have made a little bit of progress. However my score is still on the upper range of the poor grade. Is there anyway to legally remove adverse items from your reports? A collection account for instance. Thanks in advance for your responses. Thank you for your responses so far. Yes I have paid off the collection items. I'd just like them removed from my report even though it hasn't been 5 or 7 or 100 years since they were paid off.
Credit Repair? I made some bad choices, and it has ruined my credit...counting medical bills and school loans its around 15k. Has anyone used one of those programs that combines them all in to one payment? Do they really help your credit? Other options? Thanks, Tom
Credit repair?.? I need some help. My credit score is about 550 right now and in one year I'd like to buy a house and get it as high as possible. I have paid all my bills off and currently I have 1500.00us a month left over after all my bills are paid. I don't owe anyone anything. So, how can I improve my credit and make it to 700+ in about one year?
Credit repair?!? I need some help. My credit score is about 550 right now and in one year I'd like to buy a house and get it as high as possible. I've paid all my bills off and currently I have 1500.00us a month left over after all my bills are paid. I don't owe anyone anything. So, how can I improve my credit and make it to 700+ in about one year?
Credit Repair? I know raising your credit score takes time but can anyone give me some advice other than pay on time (already know this tip) on how to do so? My score is in the 400s. Please help.
Credit repair? I don't know much about this but is it true that you can temporarily make your credit history look better? I know that I read that somewhere but don't remember the details. PLEASE HELP!!!
Credit repair? I don't know much about this but is it true that you can temporarily make your credit history look better? I know that I read that somewhere but don't remember the details. PLEASE HELP...
Credit Repair Help!? I need to know of a good company to go to for credit repair help in the state of Oregon! My sister went through this lady who is some kind of financial consultant, and she did help her clean up her record but they are in another state. Does anyone know of where i could go from experience?
Credit Repair? I recently stopped paying my credit card and car payments for about 4 months to catch up on my mortgage payment. My mortgage and my car payments are now caught up. I plan on paying off 4/6 of my credit cards in the next month due to them having lower balances. The other two I plan on making a fairly large payment and then continuing with the monthly payment. I still haven't called the credit card companies to inform them of this. Should I argue the interest and late charges? I have debt from an internet and cable company that I really do not want to pay. Will this affect my credit score? If so, how much? and how long will it take for my score to go up after I pay these debts? Before I started getting behind, my credit score was around 670. Now I am not sure, and I'm afraid to check it! Thanks!
credit repair!!!!!!!!!!? hello,im 22 years old and i'm in debt. not the kinda debt that you see on commercials,but im almost in $1200.00 in debt,and it's on my credit report.if i take my time to pay the debt in full,will it be taken off my credit report? i cant get a credit card,when i try to apply for 1.i'am not buyin a house nor a car no time school.i dont need a loan.besides it's not like im in $5000-$10,000 in debt.i need help in this situation,i dont know what to do.and yes i ckecked my credit report and it wont let me check it again.
credit repair? I'm into looking to buy a house and my credit needs to be cleaned up,any suggestions on who to use that is respectable, and affordable and does the most they can?I'm In Nevada.I will be looking around the web but your input would be much appreciated.........thanks!
Credit Repair? I had a credit card go into collections 18 months ago. I settled for payment less than full with the condition that It would be considered on my credit report as Closed Paid in Full. However on my report it states "Charge -OFF - Settled less than full. I have since contact the credit card company and received a letter that the accounts were closed and paid in full. How do I go about getting my credit report updated to raise my score? Also my current Score is a 670. What should my score raise to?
Credit Repair? I have pretty bad credit, actually more like really really bad credit and I'm coming into to some money and I'm going to use it to pay off my bills. Now, I already know about keeping a card open, but all my credit cards will be paid off and I will have still outstanding my car loan and a student loan. How long before my credit starts to get better?
Credit Repair?????? I have recently paid off all my credit cards thru debt counseling, and 2 collections. How long will it take to improve my credit score with everyhting showing paid?
Credit repair? How do I contact the credit reporting agencies and explain why I haven't been able to pay my credit card bills? When I try to explain th the collectors calling, they're not interested why I can't pay. They just keep calling wanting me to borrow money to pay them.
Credit Repair?????? I have recently paid off all my credit cards thru debt counseling, and 2 collections. How long will it take to improve my credit score with everyhting showing paid?
credit repair? Does anyone know of a store card (NOT a secured Visa or MasterCard) that has proven results for re-building credit history? In other words, a relatively low interest rate (preferably below 20%), or a low annual fee or a low line of credit ($500 or less) so I can give my friend some suggestions when she eventually asks me for them?
Credit Repair? I am getting a student loan to pay off everything on my credit report. Will these things be removed at that time? Will my score go up significantly?
credit repair? I have made late payments on credit cards and it seems as if i am drowning in debt i am a single parent who went back to school to get a better job and now i just dont know how to get ahead.
Credit repair? Recently I viewed my credit report online. I decided to dispute some of the potentially negative accounts. I did this through experian. They "deleted" or removed some of them off. Some were updated, and others remained. Once they are removed are they gone for good???
Credit repair??? How do you get a credit score to go up by 100 or more points? I have a few school loans in deferrment but no credit card bills. my score is in the high 500's and I am looking to buy a house so I need to get my score higher to get a good mortgage.
Credit Repair? I am getting a student loan to pay off everything on my credit report. Will these things be removed at that time? Will my score go up significantly?
credit repair? Has anyone had their credit repiared by 3rd Eye Inc. i already am in the credit repair program but i want to know has anyone heard of this comapny i am already with them also i have a lot of items deleted
Credit Repair Expert needed. Pls Help. My credit score is only 476 & need to repair it asap? For the past couple of years, I have screw up my credit very badly. So today, I want to put myself together and get it repaired as much as I could. So at this point, I am looking for a company or some credit expert that would help me in repairing my credit. so I could get on with my life. Okay for my situation, I have about 10 accounts open for collection and they are 8 accounts with debts from $100 - $600. Also one account from Toyota Auto Finance with over 6 late payments, then I have already sold the car and paid off my entire loan. Last account which is very tough, it is from Audi Financial, which I have a Repo on! I can pay off all my debts, but would that help? I need to have a clean and strong credit to be built. Someone please advise or help.
credit repair? if i never applied for a loan with a specific lender... can i dispute it? (i know i can dispute the negative part)
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