Are there any credit repair companies that are legit?
Michelle asked:
I want to fix my credit fast, because my husband and I want to buy a new house in about 6 months. There a lost of credit repair companies out there. They say that they can remove bad hits on your credit report.
I want to fix my credit fast, because my husband and I want to buy a new house in about 6 months. There a lost of credit repair companies out there. They say that they can remove bad hits on your credit report.
Has this worked for anyone? If so, which company? How much did you have to pay them? How much did your credit score increase? How long did it take?
Thanks a bunch!
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4 Comments to Are there any credit repair companies that are legit?
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Go to Consumer Credit Counseling in your area.They will help you.
Free ones do help. If you have to pay a fee, forget it! If they help you budget your money ,good. If they want you to turn over everything to them so they can pay for you , forget it!! Six months is not long enough to repair your credit anywhere. It takes at least a good year of paying on time to change a score. Sorry but no fast answer. It took you time to mess up, will take time to fix! Good Luck!
You can get a copy of your credit report at AnnualCreditReport.com and dispute any errors with the credit bureaus. If there are legitimate negative items, you will just have to wait the 7-1/2 years for them to fall off your credit report.
Companies that promise to repair your credit will only take their fees up front and do very little for you. There is no magic way to remove legit bad marks.
You can improve your score yourself by paying off credit card balances. A big part of your score is the ratio of revolving debt to available limit. Any balance over 30% of your limit hurts your score.
If you have negatives on your credit report, contact the creditors, newest one first and work backwards. Negotiate settlement. The older the debt, the more likely you can settle for less than the balance. Lump sum gets the best offers. Any payment plan should be short term. Get any settlement offer in writing and don’t give them access to your bank account.
If you plan on buying a house, the mortgage company will insist that all negatives be settled. You may need longer than 6 months to clean up your credit. You also will need a nice downpayment.
Try this one , it will help you get your credit get repaired fast and also teach you how to do it to earn income doing the same thing to help people get their credit repaired.. this system really rocks….