What is a good credit repair company???? Need financial help!!!?

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I need to repair my credit and I do not want to do it myself. Is there a company that would just take care of all of it for me?

  1. Reply
    July 17, 2011 at 6:42 pm

    The best company out there that I have found is Credit Rehab out in Palatine, IL They have been very helpful they will actually do all the communication for you and just update you on the progress. It takes them approximatley 3-6 months to improve your credit. I would def check them out you can find them on Yahoo local in Palatine, IL. They are a complete financial compny they have affeliates for Real Estate, Mortgage, and insurance needs. I highley recomend them!!!!

  2. Reply
    July 17, 2011 at 7:38 pm

    No firm has “insider” knowledge to take accurate negative info off your credit files….The only thing any firm can do is request validation of negative entries and hope that they can’t validate the items…

    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.

    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.
    If you’re going to hire a firm anyway…be careful! You’ll have to give them all your private info, like your social security number

  3. Reply
    July 17, 2011 at 7:56 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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