Credit Repair Companies?

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I need a company that will help me with credit repair. I have no time to write letters, etc. Can anyone recommend a company?

4 Comments
  1. Reply
    newtonslogic
    July 17, 2011 at 6:29 pm

    If you don’t have time to write letters….you don’t have time to earn good credit. If you’re looking for point and click solutions…the big three credit reporting agencies all have websites that will let you file Disputes online. Freecreditreport.com (ie Experian) Equifax.com and Transunion.com all offer online dispute systems. However, be aware that disputing accounts is only part of the solution. You must work to pay down your debt… if they are valid. Call your creditors and ask them about settlements or monthly payments that work within your budget.

  2. Reply
    infinite crisis 247
    July 17, 2011 at 7:00 pm

    those things are usually scams! all that they are doing is what you can do yourself for free (well, there is the cost of stamps). as the previous poster said, the bureaus have online dispute kiosks that you can use to dispute inaccurate info.

    if the debt and information is accurate, none of this will matter for beans anyways. valid negatives stay on your reports 7.5 years. that is perfectly legit. these credit repair companies claim that they can get this accurate negative info off. that’s usually bunk. what will happen is that the negs will return after a few months.

    if you want to repair your credit, dispute invalid info yourself. as for what is valid, it willl come off 7.5 years from the date of the delinquency. pay your bills early, keep your cc balances down, and apply for credit sparingly, and your scores will improve on their own.

  3. Reply
    alicea.alexis
    July 17, 2011 at 7:13 pm

    Visit Frirstpremierbank.com, they are verry flexible!!!!

    Good Luck!

  4. Reply
    Stefan
    July 17, 2011 at 7:14 pm

    Total Debt Solutions and their affiliates offer many solutions from formal and affordable credit repair to tradeline programs. They also specialize in debt settlement to get you out for less on past due bills. Check out the source website and their free evaluation form for more info. Good luck.

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