What’s the best way to fix your credit report? I’ve tried those law frims but nothing happened for six months.

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  1. Reply
    July 21, 2011 at 12:57 am

    Go to http://www.ehow.com and enter “credit repair” in the search engine.

  2. Reply
    July 21, 2011 at 1:54 am

    Most of those law firms just try to inundate the credit bureaus with requests to “verify debt” and hope the process takes longer than allowed by the Fair Credit Reporting Act. While this used to work with some regularity years ago, these days debt can be verified electronically. You need a firm that will go over your credit report item by item and build a plan of attack to have those items removed. Check out my blog on the topic.
    http://www.badcredittogoodcredit.blogspot.com I’ve got an entry talking about exactly that.

  3. Reply
    July 21, 2011 at 2:24 am

    Stay current and pay your payments on time. Negotiate with your creditors for past debt and keep your debt less than 30% of your total income.

  4. Reply
    Jennifer O
    July 21, 2011 at 3:13 am

    Once you have your credit report you need to correct any errors. Say for example you settled with xyz company and it still shows on your report. Contact XYZ and have them send
    you a letter showing your account is paid in full or settled. Then contact ALL the reporting agency’s and have them remove it from your report or show it paid ect…Things may
    pop up on your report so you need to keep a close watch and keep records. You didn’t ask but to improve and build your score the fastest way I found was to have small credit
    limits like a 500.00 gasoline card. Use it every month and pay it off every month. If you have large amounts out there on available cards even if you don’t have balances That can take away from your score because you have too much credit. Little amounts and payment patterns can be your best bet

  5. Reply
    July 21, 2011 at 3:54 am

    creditboards.com You have so many options..

  6. Reply
    Joe F
    July 21, 2011 at 4:12 am

    I did too! I have worked with two credit repair companies. First with Lexington Law, and let me tell you, they were terrible. They charge you a monthly fee, so they take their sweet time. I finally got fed up and canceled.

    A friend referred me to another company, Unified Credit Services – http://www.unifiedcreditservices.com – and they were great. Their work is legit and they get it done quickly. I wouldn’t recommend any other company.

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