Help With Credit Score - Any good credit repair companies in the bay area?

Any good credit repair companies in the bay area?

I've been trying to improve my credit score, I need to get a loan, and I've heard that the "rapid rescore" thing they offer is basically just disputing a bunch of entries at once, so they can approve you while the entries aren't listed, and afterwards they just come back verified and it's even worse than before. I tried disputing a few things myself, one wasn't even in my name, but it came back verified anyway O_o. I've seen plenty of advertisements for credit repair companies, but I've also heard plenty of horror stories about em (I work at a bank, go figure -_-). Does anyone have any past experience with companies around the bay area?

Public Comments

Hi, Check out http://financeguru.consumerspot.info for some useful info and tips on repairing credit fast. Good luck!
I have been to "many" different credit repair sites on the web. Some were pretty good and some were pretty bad. I refuse to use a websitemy rights and using them.Don't pay for information that you can find for free.
Yes you can do it yourself for free and it is very simple.. This is a very simple break down of the steps you need to take in the beginning. 1. Order reports directly from ALL 3 CRAs - If you cannot afford to purchase them you can get your free annual report. *Please keep in mind that disputing with a free annual report gives the CRA more time (45 days). It is not wise to dispute with these because it will lessen your chance for a deletion. How to read your credit report................ http://www.truecredit.com/help/learnCenter/reportguide/creditReportGuide.jsp?cb=TransUnion&popup=true#PersonalInfo 2. Opt out When you examine your own credit file that is considered a soft pull. If someone else does a soft pull, it only contains your "credit header" information; name, address, SSN, DOB, Employer, Previous Addresses. Financial transactions and account information is excluded. A soft pull is often done to verify identity or for promotional offers. Anyone with "persmissible purpose" can run a soft pull; if you apply for credit, have an existing account or financial relationship with an individual or business. If you don't want your information shared for promotional offiers, you must opt out. 1-888-5-OPT-OUT (1-888-567-8688) 3. Update/Delete any personal info with the CRAs *Have as much as possible removed. It would be ideal to only have your current address. No variations of name, addresses or socials. No need for employment information or phone numbers. It is not necessary. 4. Wait until 2 & 3 take effect (give opting out about a week) and READ in the meantime. *Read up on your state laws, the FCRA, FDCPA and the FCBA 5. Triage your reports. *Go to http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml and find out the SOL for your state. Figure out which accts are out of SOL and start with those. You determine if the acct is out of SOL by the DOFD (date of first delinquency). Please be aware that disputing any accts that are still within SOL could possibly wake up a sleeping giant and you can be sued. So proceed with caution and make sure you understand what you are doing first. 6. Dispute with CRAs *You can do a blanket dispute (dispute everything). Some have luck with this. OR just dispute 3-4 at a time. Whatever you decide, you must wait until the investigation is over before disputing any more (30+5 days for regular report disputes/45+5 days for disputing with the free reports) 7. Now you WAIT..........and READ. For more information or help you can try these 2 sites http://chexvictims.com http://www.creditboards.com
Hey, Saw your question and i decided to drop this information to you.am staying at derby county in england.I had a loan from mr yorkie at affordable interest rates. so after been a testifier of his services,i will definitely refer anyone out there to meet this Godsent that saved my life. If interested in him,you could reach him on this email(alexxyorkie02@hotmail.com or alexxyorkie02@yahoo.com)