2006-12-27 15:58:59 · 6 answers · asked by Anonymous in Business & Finance ➔ Credit
They are all SCAMS. Do not waste your money. If the collection is real, it will just come back onto your credit report if it ever even gets taken off in the first place.
2006-12-27 16:12:25 · answer #1 · answered by candl91402 4 · 0⤊ 0⤋
Companies will charge you high rates to do this when you can do it yourself for nothing!
Of course, getting something deleted is not so easy! You must first buy credit reports from all three CRA, then check over the reports for errors. Any errors can be deleted fairly easy in most cases. Each credit report will contain specific instructions on how to dispute items in your report.
Many times you will have to dispute something a few times before actually getting deletion.
The point is you can do this yourself for free! A credit repair agency can do nothing more than you can do yourself but will cost you high dollars! They will do exactly the same thing I mentioned above. They have no secret contacts, no special terms, it's all done the same way! They dispute for a fee, or you dispute for free!
You decide! It takes a few minutes of typing or writing/filling out a form, or allow them to do it for money!
2006-12-31 07:05:11 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Go to annualcreditreport.com and get a free credit report from each of the three credit reporting agencies, and dispute in writing anything derogatory on there that is incorrect. The respective lender must respond within 30 days, I believe, or the credit reporting agency is required to remove the derogatory item from your report.
Other than that, you'll just have to wait out the years it takes (three I believe) for it to come off. God Bless. Amen Sincerely, Rick
2006-12-27 17:01:49 · answer #3 · answered by RickN 2 · 0⤊ 0⤋
As far as I know, there is not anyway to legally buy off collections data only paying off and time.
2006-12-27 16:14:42 · answer #4 · answered by Anonymous · 0⤊ 0⤋
There is a free service that will direct you to do it yourself.
2006-12-27 20:45:11 · answer #5 · answered by CreditScoreBooster 2 · 0⤊ 0⤋
You can't do that legally can you?
2006-12-30 15:59:47 · answer #6 · answered by luciousgreeneyedlady 5 · 0⤊ 0⤋