credit repair?

Public Comments

1. Pay your bills
2. Pay a lawyer about 2g's and they can do it.
3. take care of the bills and fast if there is multiple then do the smallest ones first then work your way up that way you are getting more off of your credit faster but if its just one bill like one large credit card bill or something then they have agencys that can help you repair your credit and there is always a local office just look it up in your phone book try the yellow pages they charge a small fee but you are only making small payments and then it is cleared up before you know it... plus it will show on your credit report that you are paying off your debt so that will look better if you are trying to apply for something.
4. Credit repair is easy--make contact with the company--talk to a PERSON--a real live person--explain that you have done what millions have done and would like to get the debt settled as best as you can--work out a deal about pay backs that YOU can afford. get that name and date--write it down and then stick to that agreement--send in the money on time. That is the best way to settle the whole issue. Then when you pay it off--cancel the card and only buy what you can afford to buy IN CASH. if you can't pay cash--then you do not need whatever it is...it will have to wait. Do this today!! Without you extending yourself--you won't get any consideration from the creditors. They will work with you--it is the law--you have a right to negotiate for a settlement. Ignore the credit--YOU LOSE in the long run. Talk nice on the phone--don't be a trashy person--they don't have to deal with trash--the calls are recorded--judges hate trash talkers. Relax and good luck
5. Here are links to free info from the FTC http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm#improve Building a better credit report. http://www.ftc.gov/gettingcredit/ What you need to know about your credit. http://www.ftc.gov/bcp/conline/pubs/credit/crdright.shtm Credit and your consumer rights.
6. you could get a personal loan and pay it off in a few months that way you could buid good credit or you could get a credit card use it for everyday purchases and make the full payment at the end of the month that way you do not pay interest and build credit. Check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates, fees and reward, no matter what kind of credit you have they have the right card for you
7. Before you waste your time and money on a credit repair company, know this.... Also, a good resource is... http://debt.123thebest.info/credit_card.html Good Luck.