credit repair.? am i correct?? i just went to this credit repair place and JUST got some information on how they work....then i came home and found out that all they do is submit letters to credit places.//then they submuit them to the creditors and if they dont respond its deleted....isnt that the same thing u can do on the 3 major credit places website?? called credit disputing?? alll i want to know is--is what these people are charging all this money for (credit repair) if u do some research u can do it free urself?? that wasnt my question A mercer! i was asking the same thing credit repair services do u can do urself for free correct?

credit repair? any experiences with credit repair, credit repair agencies,books, websites, etc.... i need to repair my credit

Credit Repair? Can anyone tell me how I can repair my credit without going through a credit repair service? How long does it usually take for one's credit to be repaired to a decent score? Thanks.

Credit Repair? Hello to you all, If you are in the credit repair business can you please tell me a little bit about your experiences with this business, How much money do you make . And if you know of some really good course of software pertaining to credit repair please tell me about it. Thank you in advance!!!

credit repair? what is the quickest way to repair credit ? My friend is getting out a very bad divorce where his ex wife ruined his credit, they were more than 90 days late on cars, home. ect. score is about 550.

Credit Repair? Has anyone heard of "The Credit Bible" is this legitimate? Also on www.adviceontime.com Does anyone know or have experience with the credit repair program on that site? It sounds good, but wondering if it really works?

Credit Repair? I have no idea where to start to repair my credit. They are always offering free credit reports but I am leary of that. Could someone please tell me where to start?

Credit Repair? I have pulled a credit report and it's not out of the question to pay everything off and take care of that, but then what can I do to help repair my credit? Everything on my report is correct and I have nothing in my name besides 2 small ($300 & $100) loans from local loan companies. After everything is paid off will it still take a few years before I can get anything in my name?

Credit Repair? Do credit repair companies really work. has anyone had sucess with them.. improving credit by say 100 points or more? anyone have any solid information thanks for the info..but im looking for someone that has actually used one of these oompanies..1st hand knowledge

Credit repair? How do you repair your credit.

Credit Repair...? Looking for an agency to help me repair my credit after my divorce. Any suggestions of agencys you have used, which are not frauds.

Credit Repair.? What is the real skinny on Credit Repair. Seems it costs quite alot. Is it honest and worth it. Can someone shed some light on this for me. Can't I do it myself and save the dollars and where do I get the info to do it myself?

Credit Repair? I am in the process of trying to repair my credit. I have been informed that a person is able to write a settlement letter. How would someone write such a letter?

credit repair? Do companies offering credit repair for a continuing monthly payment actually work?

Credit Repair...? Has anyone used one of these credit repair companies? Any good experiences, and why? Bad experiences, and why? Companies you'd suggest to go to, and why? Companies you'd suggest to stay away from, and why? Thanks. Please also let me know specifically what your results were using who ever you used.

Credit Repair? Hello, I am trying to get financed for a mazad miata. The salesman I have been working with indicated that because of several dings on my credit report he could get me financed but only with about 5K down. He advised me that he knew someone who could legally dispute alot of the dings and get them removed from my credit report. He claims he was able to get his own scroe raised above 700 points and said he could show me proof of that. My question is it worth going to see him to get more information on repairing my credit. He said it would only cost about 300-500 dollars and would only take about 45-60 days. Is it that easy to legally dispute debts and get them removed from my credit report. Am I looking at hidden charges?

Credit Repair? Hello, all, I'm working at repairing my credit and have made a little bit of progress. However my score is still on the upper range of the poor grade. Is there anyway to legally remove adverse items from your reports? A collection account for instance. Thanks in advance for your responses. Thank you for your responses so far. Yes I have paid off the collection items. I'd just like them removed from my report even though it hasn't been 5 or 7 or 100 years since they were paid off.

Credit Repair? I had a credit card go into collections 18 months ago. I settled for payment less than full with the condition that It would be considered on my credit report as Closed Paid in Full. However on my report it states "Charge -OFF - Settled less than full. I have since contact the credit card company and received a letter that the accounts were closed and paid in full. How do I go about getting my credit report updated to raise my score? Also my current Score is a 670. What should my score raise to?

Credit Repair? I have pretty bad credit, actually more like really really bad credit and I'm coming into to some money and I'm going to use it to pay off my bills. Now, I already know about keeping a card open, but all my credit cards will be paid off and I will have still outstanding my car loan and a student loan. How long before my credit starts to get better?

Credit repair? How do I contact the credit reporting agencies and explain why I haven't been able to pay my credit card bills? When I try to explain th the collectors calling, they're not interested why I can't pay. They just keep calling wanting me to borrow money to pay them.

Credit Repair?????? I have recently paid off all my credit cards thru debt counseling, and 2 collections. How long will it take to improve my credit score with everyhting showing paid?

Credit Repair? I made some bad choices, and it has ruined my credit...counting medical bills and school loans its around 15k. Has anyone used one of those programs that combines them all in to one payment? Do they really help your credit? Other options? Thanks, Tom

Credit Repair?????? I have recently paid off all my credit cards thru debt counseling, and 2 collections. How long will it take to improve my credit score with everyhting showing paid?

Credit repair?.? I need some help. My credit score is about 550 right now and in one year I'd like to buy a house and get it as high as possible. I have paid all my bills off and currently I have 1500.00us a month left over after all my bills are paid. I don't owe anyone anything. So, how can I improve my credit and make it to 700+ in about one year?

Credit repair?!? I need some help. My credit score is about 550 right now and in one year I'd like to buy a house and get it as high as possible. I've paid all my bills off and currently I have 1500.00us a month left over after all my bills are paid. I don't owe anyone anything. So, how can I improve my credit and make it to 700+ in about one year?

Credit Repair? I am getting a student loan to pay off everything on my credit report. Will these things be removed at that time? Will my score go up significantly?

credit repair? just like to know how to improve my credit score

credit repair? just like to know how to improve my credit score

credit repair? I have made late payments on credit cards and it seems as if i am drowning in debt i am a single parent who went back to school to get a better job and now i just dont know how to get ahead.

Credit Repair? I know raising your credit score takes time but can anyone give me some advice other than pay on time (already know this tip) on how to do so? My score is in the 400s. Please help.

Credit repair? I don't know much about this but is it true that you can temporarily make your credit history look better? I know that I read that somewhere but don't remember the details. PLEASE HELP!!!

Credit repair? I don't know much about this but is it true that you can temporarily make your credit history look better? I know that I read that somewhere but don't remember the details. PLEASE HELP...

credit repair? Has anyone had their credit repiared by 3rd Eye Inc. i already am in the credit repair program but i want to know has anyone heard of this comapny i am already with them also i have a lot of items deleted

Credit Repair? I am getting a student loan to pay off everything on my credit report. Will these things be removed at that time? Will my score go up significantly?

Credit repair??? How do you get a credit score to go up by 100 or more points? I have a few school loans in deferrment but no credit card bills. my score is in the high 500's and I am looking to buy a house so I need to get my score higher to get a good mortgage.

credit repair? if i never applied for a loan with a specific lender... can i dispute it? (i know i can dispute the negative part)

credit repair?

credit repair? if i never applied for a loan with a specific lender... can i dispute it? (i know i can dispute the negative part)

credit repair?

credit repair?

credit repair? if i never applied for a loan with a specific lender... can i dispute it? (i know i can dispute the negative part)

Credit repair?

credit repair? when can i expect to see my core score improve. this is my first time to this and it is our 6th month of this process.

credit repair? if i never applied for a loan with a specific lender... can i dispute it? (i know i can dispute the negative part)

Credit repair ? Has anyone ever heard of www.creditsecretsbible.com or on www.creditdisputeletters.com? If so, and had any experience with these, please advise.

credit repair?

Credit Repair - Credit Cards - Does the type of card make a difference? I found a huge credit card directory... Does the credit card you apply for make a difference on your credit report? If I apply for a poor credit credit card - http://www.affiliatetier.com/credit_repair/credit_cards.php - Would this effect my credit report? If I apply for a really great credit card like American Express Blue: http://www.affiliatetier.com/credit_repair/credit_cards.php?review=23 - Would this look good on my credit report if I am approved? And would this look really bad on my report if I am denied compared to a poor credit credit card? I have been reviewing all the credit cards: http://www.affiliatetier.com/credit_repair/credit_cards.php & found http://www.affiliatetier.com/credit_repair/credit_cards.php?review=23 to have an overall rating and benefit rating as the highest so far... I am scared to apply if I get turned down and it shows on my credit report as being turned down by a GOOD credit card...

Put credit repair scams in one sentence.? Put this into one sentence. Credit Repair Scams Credit repair scams offer to erase accurate negative information from your credit file so you can qualify for a credit card, auto loan, home mortgage, or a job. The scam: The scam artists who promote these services can't deliver. Only time, a deliberate effort, and a personal debt repayment plan will improve your credit. The companies that advertise credit repair services appeal to consumers with poor credit histories. Not only can't they provide you with a clean credit record, but they also may be encouraging you to violate federal law. If you follow their advice by lying on a loan or credit application, misrepresenting your Social Security number, or getting an Employer Identification Number from the Internal Revenue Service under false pretenses, you will be committing fraud.

Credit repair? United Credit Association? Has anyone heard of United Credit Association? They are a credit repair agency. I want to know if those agencies are legal and if they really can repair your credit. My realtor recommended it to me because they had a meeting with some realtors in Houston, TX and they guaranteed to fix your credit in 6 months.

Credit Repair? Removing a bad record as a authorized user..? My friend was an authorized user (not joint) on his brothers credit card account. His brother ended up making late payments and then doing a settlement on this account. Unfortunately, the credit for my friend, the authorized user, was also affected. The settlement appears on 1 out of the 3 agencies...therefore, I wanted to know what is the best advice, or best letter to send to a credit reporting agency to get this issue resolved..... I am not looking to give the issue to any CREDIT REPAIR company or any other services. I am looking for a Do-It Yourself approach. Thanks.

Bankruptcy vs. credit repair before selling and buying a home? Ok, I have a credit score of 504. Of the 40 items on my credit report 37 are old medical and the other 3 are paid as requested which are home, car, and one credit card. Do I go ahead and try to repair the credit or file bankruptcy? Before or after selling a home?

Credit Repair...? Has anyone used one of these credit repair companies?

credit repair? Do companies offering credit repair for a continuing monthly payment actually work?

Credit Repair? I have pretty bad credit, actually more like really really bad credit and I'm coming into to some money and I'm going to use it to pay off my bills. Now, I already know about keeping a card open, but all my credit cards will be paid off and I'll have still outstanding my car loan and a student loan. How long before my credit starts to get better?

Credit repair??? How do you get a credit score to go up by 100 or more points?

credit repair? Has anyone had their credit repiared by 3rd Eye Inc.

Credit Repair? I know raising your credit score takes time but can anyone give me some advice other than pay on time (already know this tip) on how to do so? My score is in the 400s. Please help.

Credit Repair? I had a credit card go into collections 18 months ago. I settled for payment less than full with the condition that It would be considered on my credit report as Closed Paid in Full. However on my report it states "Charge -OFF - Settled less than full. I have since contact the credit card company and received a letter that the accounts were closed and paid in full. How do I go about getting my credit report updated to raise my score? Also my current Score is a 670. What should my score raise to?

Credit repair?

credit repair?

Credit Repair? Hello, all, Sorry, computer locked up and I was clicking around like crazy....anyway, I was wondering if someone can pointme to some basics about credit repair for too many payday loans and credit cards. Thanks.

credit repair?

Do credit repair Co. really repair you credit by improving your credit score? I was wondering if anyone who has been to these credit repair companies? If so, do they really repair your credit? Bye how much? How much did it cost? How long was the process? What's the company name you went to? Would you recommend it to others? What other advice do you have for others that want to improve there credit score? or What to look for?

Credit repair Companies? What can I do to repair my credit just like a credit repair company would do? I would like to know how to take negatives off of my account etc. What are the steps? I'm interested in repairing my debt muself.

credit repair questions? hey all, We are trying to repair our credit for many years now. from our experience we have been sent letters back from credit companies telling us that our credit on there is valid and that they will not be changing it. My understanding is that they have to provide proof of this and yet that havnt. What is the best way of action to get these 3 companies to start removing items and what is the best site out there that provides me with all three credit reports all in one for free? Also please provide me with a couple of sites that explain in detail in help regarding steps to do and sample letters that are current that i may use to get my point across. thank you kindly please provide actual answers or i will delete the question and then no one gets any points even for just posting. Why is it that i get dumb dumb answers that are evident. The point of questions on Yahoo answers is to get info based on your question not just to post idiotic posts. thank you as well annualcredit costs money with alot of there services. And please dont provide the common answers that they can only keep info on there for 7 years we know this everyone knows this. The problem is obvious "removing this stuff" if you dont have experience in this please dont answer as you will not get points anyway. Sorry to all those that do care about answering but you have to understand my frustration with alot of kids answering on here or people that just are answering on common things they have heard. thanks again

Can you repair your own bad credit? I have recently researched information on repairing bad credit after bankruptcy, etc. It appears that items, whether true or false can legally be disputed from yourself as frequent as every 30 days. And, unless the credit bureau agencies can provide valid proof (from the original creditors) within a 30 day period, they must remove the derogatory credit from your file. Although it can take 2 - 3 times of writing dispute letters to actually get a response, this seems very interesting. It also appears that the FCRA is really in the consumers favor, but not really advertised to us because the 3 major bureaus profit from our credit history. Any experience/advice on someone cleaning up their own bad credit (not through credit repair scams)?

Credit Repair Attorneys? "Credit Repair Attorneys" do they exist and how can i find one. I'm sick and tired of dealing with my credit report on my own. Recently I disputed some items and because Im in Texas my Equifax report is handled through something called CSS which just made things even more confusing, and then to top it off Trans Union did remove some of the items disputed but it turns out that they wiped my credit history completely even the good things. This is a pain in the **s and Im just fed up with it. Has anyone had any luck with an attorney?

Are credit repair companies legit and do they really help? I am trying to raise my credit score quickly. Right now I am at 593-around 650 depending on agency. So, by paying off the 5 credit cards that I currently have(some with amounts ranging from 1,500-2,500), should that raise my credit score a great deal? If not, will a credit repair company help or are they just a scam?

Credit repair business or job? Does anyone here work in credit repair or has a credit repair business, if so are you making money. what's your approach for customers and how do you charge , im curious

Do credit repair programs really work? I came across some programs offered by, ex-bankers, ex-credit bureau agents that offer tactics and software that enable you to repair your credit. They claim to be able to create a new credit file. Anyone know if they work? What happens to your old credit file?

credit repair companies - deal or dud? My husband and I are considering having a credit repair company clean up our credit. I have been working in this myself for about a yr and have increased our score by 50-60 points for each of us. The problem is there are certain things that just won't come off. Yes, the bad debt is legit from being young and dumb - but that a whole different topic in itself. I am told there are companies that can actually go in and change your credit report? How reliable is this info? Have you ever used one? Is it worth the cost? Any ideas?

Do anyone know of a reputable Credit Repair Agency? I have several charge offs, and collections items on my credit report. I would like to get these items removed. The biggest challenge is with Experian they do not delete anything. I would like to purchase a home increase my score. I paid all my collection accounts and charge offs everything have zero balances three years ago. I only fell behind because I was taking care of a sick parent. My mistake was I never received or asked for a written letter from the creditor to remove it off my credit report after I paid it. At the time all I was thinking about 3 years ago was paying off my debt. Do credit repair work and is there any repair agency that is highly experienced with Experian. I tried the creditor but they will not work with me. I tried disputing all come back verified. I believe I need a experienced person to help with this. I'm in Southern California

Starting A Credit Repair and Financial Counseling Business? I currently work as a mortgage broker who specializes in bad credit loans. I have helped many of my clients understand their credit reports and what they can do to improve their credit. I love this part of my job, am good at it and would like to turn it into a source of income. I would like to take a credit repair client, obtain their credit reports and explain the information contained in them in detail. I would give recommendations about what they can do to raise their score and a detailed step by step plan of action. For an additional fee, I would dispute incorrect items on their behalf. I plan to keep my prices low and offer honest, realistic advice specific to the individual's situation and goals. What certifications or licenses do I need to start a business that does this? I did find out I need a $50,000 surety bond for this. How do I get that? I have checked my state's website and most of the information given there was pretty vague. I'd like to hear from someone who has done this before.

Is Credit Repair really effective and how much would you pay for it if it is? A good credit report is very important for living a comfortable life of financial freedom but it's difficult to recover fom a bad credit report once you've made a few mistakes. Credit repair companies can be helpful, especially if you allow some time for your file to be worked on before you need it completely done.

Credit Repair Help!? I need to know of a good company to go to for credit repair help in the state of Oregon! My sister went through this lady who is some kind of financial consultant, and she did help her clean up her record but they are in another state. Does anyone know of where i could go from experience?

is getting credit repair a good idea if planning on buying a house? how does credit repair work? is it a good idea if you have bad credit and want to buy a house.

Legitimate credit repair company? I'm looking for any referrals to a good credit repair company or attorney. I understand that they cannot legally do anything that I can't do and there is no guarantee that my score will improve - that I will basically just be paying for their services. Also, many of them are considered scams, etc. So, I would like to know if anyone has personally experienced help from one of these companies in credit repair.

Credit Repair? I have pulled a credit report and it's not out of the question to pay everything off and take care of that, but then what can I do to help repair my credit? Everything on my report is correct and I have nothing in my name besides 2 small ($300 & $100) loans from local loan companies. After everything is paid off will it still take a few years before I can get anything in my name?

credit repair.? am i correct?? i just went to this credit repair place and JUST got some information on how they work....then i came home and found out that all they do is submit letters to credit places.//then they submuit them to the creditors and if they dont respond its deleted....isnt that the same thing u can do on the 3 major credit places website?? called credit disputing?? alll i want to know is--is what these people are charging all this money for (credit repair) if u do some research u can do it free urself??

credit repair? any experiences with credit repair, credit repair agencies,books, websites, etc....

Credit Repair? Can anyone tell me how I can repair my credit without going through a credit repair service? How long does it usually take for one's credit to be repaired to a decent score? Thanks.