has anyone had a good experience with these credit repair companies?

i mean wats the deal? can they really clear my file and if so can anyone recommend a good one? basically do they really work and how do you tell a legitimate one apart from all the scams out there..

Public Comments

1. Kelly, I found this site from a friend...and it change my credit score and report like magic! Please review the site, if you want to see if they can help you, fill out the form for a FREE evaluation. Hope this helps.
2. I had a good experience with one years ago before I learned how to fix my credit on my own. I ordered a "free credit report" from Experian, then found a collection account on it. I knew it wasn't mine, so I used their dispute tool found within their website, which was included in their "free credit report" and it was removed from my credit report in 30 days. The downside is that the "free credit report" turns into a monthly fee after 30 days, and sure enough, it took just over 30 days for the collection to be removed. I wouldn't say I would use a service like that again unless I knew there was a MISTAKE on my credit report. These services can't erase lates and collections that are your fault. They can simply erase errors, which was the case with me. In the last few years, I've come to rely on my own skills to raise my credit score. Check out some of my info, it'll help. Learn more at http://www.thetruthaboutmortgage.com and http://www.thetruthaboutcreditcards.com
3. I used to work for one and they can help quite a bit. They are able to work with your creditors to help consolidate your bills into a low monthly payment. They show you based on your income how much you can spend each month and the remaining money they invest for you. Once the invested amount reaches a higher plateau they are able to eliminate a large chunk if not all of your outstanding debt.
4. i heard bad things about them, the only thing that will fix your credit rating is paying bills on time, it takes 12 months of on time payments to make your rating better.
5. I have heard bad things about them. I read that they cannot do anything more than waht you can do. You can obtain a copy of your credit file from experian and equifax and if there are things on there that are wrong then you write back to them and they try and osrt it out for you. The only way that you can get good credit is to pay your bills on time and this will help your credit rating. Go to www.moneysavingexpert.co.uk and on here is forums about people that have used credit repair agencys and also the guy who runs the website has put information about them on theire. Good Luck.
6. A legitimate one will be a non-profit company and also offer a money back guarantee.