What is the best way to go about eliminating bad credit? Using a credit repair agency or doing it yourself?

credit repair
Randall M asked:


I know that credit repair agency’s send out letters that let the credit agency’s know that there is negative items on your report that is wrong in one way or another, but I am wondering if it is better to do it myself or not.

Thanks.

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Saturday, June 7th, 2008 Credit

5 Comments to What is the best way to go about eliminating bad credit? Using a credit repair agency or doing it yourself?

  1. Do it yourself, to many risks/costs involved with credit repair agencies.

    2. sgtcjl on June 9th, 2008

  2. You can do it yourself and save yourself several hundred dollars. It is a matter of sending dispute letters to all 3 of the credit reporting agencies and having them remove the negative items. They are, by law, obligated to investigate those disputed items. Sometimes the creditor does not get around to replying and the item gets removed. After you get a few of the negative items removed, you need to start establishing some positive credit - apply for a credit card or something.

    I have found a free credit repair guide to help, if you need it:
    mobile-ebank.com/FreeCreditRepair.html

    3. tyman on June 13th, 2008

  3. Don’t pay anyone to do something you can do for free.
    Go to freeannualreport.com and look at your reports yourself.

    4. Jose V on June 15th, 2008

  4. Doing it yourself can hurt you more than help….let a Professional do it for you ..I know a great site that deals with this sort of thing …you can email me if you like and I would be glad to past on the info to you…email me

    5. Melvin W on June 16th, 2008

  5. ?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - creditreport.imess.net

    6. Dan W on June 16th, 2008

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