Credit Repair..

[slacker77]

I'm looking to clean up my credit score. Does anyone know where I can get some help with that ? I'm not looking for some 1-800 BS , just some legit place in town who can help out.

[Cant_Be_Faded]

Buy your complete credit report from all three companies and do it yourself. Research the companies it lists that hold your debts, contact them, and hash things out one step at a time.

It takes for ing ever, but it will save you money, and most of the people that do this for money are rs. If you insist on paying, then sign up for a good credit monitoring service, most of them have a department to do this for you, that is part of the monthly fee.

[slacker77]

Thanks man

[BacktoBasics]

I wouldn't seek any kind of outside help. I don't know your situation but 9 times out of 10 outside help only makes it worse.

What exactly is it that you need to clean up?

Have you purchased your credit reports yet?

I can give you free advice and point you in the right direction if you can tell me the particulars of whats going on.

You can PM if you're more comfortable.

[Drachen]

Buy your complete credit report from all three companies and do it yourself. Research the companies it lists that hold your debts, contact them, and hash things out one step at a time.

It takes for ing ever, but it will save you money, and most of the people that do this for money are rs. If you insist on paying, then sign up for a good credit monitoring service, most of them have a department to do this for you, that is part of the monthly fee.

+1

Use the forums at myfico.com to aid you in your endeavor

[spurster]

Order your credit reports for free at https://www.annualcreditreport.com/

That one is the legit site, see http://www.ftc.gov/freereports

[RandomGuy]

Buy your complete credit report from all three companies and do it yourself. Research the companies it lists that hold your debts, contact them, and hash things out one step at a time.

It takes for ing ever, but it will save you money, and most of the people that do this for money are rs. If you insist on paying, then sign up for a good credit monitoring service, most of them have a department to do this for you, that is part of the monthly fee.

+1

Not *quite* how I would put it, but this is pretty much right.

Just remember that the companies that do this earn money in the process, whether or not they actually end up helping you.

Best thing to do is to first understand how your credit score is calculated.

You can't repair it if you don't know how it works to begin with.

Secondly:

You should view this as something of a second or third job. It might not give you an actual paycheck, but it is a way you can spend your time that will make you better off financially in lots of ways.

[BacktoBasics]

I also have 3 or 4 sample letters that might help you get things removed that are beyond the statute of limitation. Simple letters but they work.

[j-6]

For those of you in the process of cleaning up your credit: This is the second best month of the year to send out your CM-RRR dispute letters, especially if you get them in TODAY.

[Frenzy]

go to fieldstone homes they do for free i was gonna get a house so they took me on a 6 month step process to raise my credit score to a score they deemed fit i think it was 650...dunno to tell u the truth but my score sucked it was low 500's and they got it up to the score but then something happen to where we liked a house else where and ran off with a free credit repair.

[BacktoBasics]

go to fieldstone homes they do for free i was gonna get a house so they took me on a 6 month step process to raise my credit score to a score they deemed fit i think it was 650...dunno to tell u the truth but my score sucked it was low 500's and they got it up to the score but then something happen to where we liked a house else where and ran off with a free credit repair.

The problem is that you don't know exactly what they did. They could have just negotiated to a charge off which might raise your score. However negotiating to a removal is far more productive and typically doesn't cost the consumer anything extra.

Some places recommend not paying on something until the collector is desperate enough to negotiate a lower settlement. Yeah it might raise your score enough to qualify for "their" loan but you're now ed with a bunch of late pays and charge offs that will never come off.

Too risky.