Credit Clinics. What exactly do they do besides desputing and writing letters to the bureus.?
Please be specific. I already did the online experian dispute, what should i do next??? I have no proof of anything. Its just erroneous reports.
Public Comments
- they don't help that much call the company that has filed the collection first to make sure it is yours or not
- Not sure what you are looking for... These "credit repair" companies do the same things that you can do yourself. In most cases they fail, but you still end up paying a large amount of money. Your message implies that you are trying to "fix" some bad credit items on your report? If the are truely errors, you can fix it yourself. It's going to take some time, a lot of letter writing, and in some cases a few threats! Start by reading the links below. You can't even begin to start until you understand the laws regarding debt collection and credit reporting. Then read the last link. This covers what I've been preaching for months now, but in a step-by-step approach. You must follow a very precise procedure when dealing with these people. If you need more help contact me. I am not a lawyer or credit counsoler, just someone who has been down this route many times and have helped others. By the way....it's not your burdon to prove you don't owe these debts....they must prove you do. If they can't properly "validate" your debt, it must be removed from the credit report.
