Credit Repair

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.

Public Comments

1. There are no quick fixes to bad credit... - After two years of no defaults and timely payments on your existing accounts, you'll start to see your credit score gradually go up. - avoid the temptation to pay a "credit repair" firm, they cannot remove accurate negative info - The best you can do is limit the damage and not make it worse...so stop the cycle of defaulting on debts, because if you keep defaulting or paying late you'll have bad credit forever There is, however, one trick that "may" help to remove negatives from your credit files. You don't have to pay anyone to do this. Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) within 30 days or remove them from your credit file. Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver's license and social security card...If you don't include these, they may write back requesting them, which would slow the process down by several weeks. For each negative item, write a separate letter and simply include the phrase: Per the Fair Credit Reporting Act, I am requesting written validation of this item. Do this one at a time for each negative entry....DO NOT request validation for all items at one time. This will be a long and time consuming process and it may not even work...still, you can do this for free and you don't have to pay anyone. There is NO guarantee that this will work....It may give some decent results. The worst that can happen is that all negative items come back verified.
2. I can give you advice. I've bookmarked this site... http://debt.123thebest.info/credit_card.html All the best to you.
3. http://www.MyCreditEdit.com
4. Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - freecreditreport.hotusa.org