what is the best way to increase my credit score ? can credit repair companies really help with credit ?

Public Comments

1. One of my favorite questions. To increase a credit score, if there is nothing adverse on your credit, get a credit card with a SMALL available balance.. Charge approx. $100.00 on it.. make the minimum payment ON TIME every month... when it is almost paid off, again take it up to JUST $100.00. again always pay the minimum due and ON TIME. If you have adverse item's that are yours on your credit history, start by paying those off... Then again.. do what I stated above. Credit repair companies, as in the companies that take all your debt and you pay them a monthly or weekly amount to make payment's for you? NO they honestly do not help and in many cases can cause more harm. It is better for YOU to make arrangement's with any out standing debt... and clearing it up yourself.
2. yes they can, BUT you don't need them to, because its so easy you can do it yourself, and heres how. go to true credit.com, then open an account with the three in one credit report, its cheap. then check your report and it will give you the option of disputing any negative items. what you do is dispute all of them. then the creditor has 30 days to show proof of the dept. if they don't . then it is taken off your credit report. thats the law. this will slowely raise your scores. continue the process and be sure to pay all bills if you can. thats all those credit pros will do 4 u .ne way
3. They can help but you can do a great deal yourself. Annualcreditreport.com is a free site where you can get your credit report. They have information there on how to dispute incorrect items, if any. Credit repair is different from a credit counseling service or consolidation service as described in another posting.
4. Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in