Does anybody know of a good credit repair service such as debt consolidators?

I want to renegotiate my debt, and I have seen financial debt free asistant programs on TV ads ...are they any good?

Public Comments

1. Well you asked 2 different questions debt consolidators help you negotiate your debt but it hurts your credit- in comparison to paying the minimums until you can afford to pay them off. This link is the BEST for debt help http://www.g13.us/debtwithoutbk.html These guys are the best for your other quesion or mention of credit repair: http://www.ficoboost.com they can raise your score in 24 hrs !
2. Why not repair it yourself? Try the website below
3. Choosing a credit repair service is an extremely important decision. Choosing the wrong service can mean you won't receive the best possible results at best and at worst it may result in a fine or prison sentence for you. In choosing a credit repair service it is important to know what to look for as well as what to avoid. This article will provide a brief overview of these characteristics to help you make a wise and informed decision. We have already mentioned both extremes of choosing the wrong credit repair service. Understanding the ramifications of a poor decision is the first step to making a conscientious decision. The following list provides information on how to select a credit repair service and provides information on why to take this action. Investigate the credit repair company carefully - this is important because it will provide information on the company's past performances which is an excellent indication of future services. The Better Business Bureau (BBB) can provide information on how long the service has been in operation and the number of outstanding complaints against them. If the service provides references, contact these references to inquire about the level of service. Research the credit repair process - this step will provide an understanding of how the process works and which actions are legal, helpful and worthwhile. This will help to eliminate any services which engage in illegal or worthless practices. Do not pay any fees before services are rendered - consumers should be wary of credit repair services who request fees before they complete any services. Cautions should be taken in these situations to avoid potential scams. There may be a legitimate reason why a service requests fees in advance but the reasons should be investigated beforehand. Review guarantees carefully - doing this can help the consumer make a decision on the legitimacy of a credit repair service. Credit repair is not a magical fix and any services portraying this image may not be a good investment. It is wiser to choose a service offering reasonable guarantees and upfront information on the services they offer. Ask about your legal rights - all credit repair services should provide you with information regarding your rights in the process. Any service that is unable or unwilling to provide this information should be eliminated from further consideration in the selection process. These tips are useful in wading through the many credit repair services angling for your business. Once the list is pared down to a manageable amount it is time to interview representatives from each service to make a final decision. As with all purchases, references or referrals from someone you trust can help steer you in the right direction. This is important because trusting the service you choose is critical. During this final step trust your instincts and choose the credit repair service in which you have the most faith.