what credit repair company to use??

Answer 1

I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you.

Answer 2

You don't want to use a credit repair company. You want to repair your credit yourself. The great part is, it's really not as hard as you may have heard.

There are a few steps you would want to follow to begin to repair bad credit.

1.) Opt Out. This will prevent you from the temptation to sign up for a new credit card, but since that probably isn't going to be a problem since your attempting to repair your credit, it also will keep you somewhat hidden from Collection Agencies as well as stop any promotional inquiries on your report.

2.) Order our reports from Experian, Equifax or TransUnion. By doing this, you can see what each of the different bureaus has on your reports.

3.) Once you have your Credit Reports, analyze them with a fine-tooth comb and delete any information that is not accurate. It can be suprising how many phone numbers, addresses, even social security numbers don't reflect the actual information in your credit history.

4.) Once you have all of your information you want to look it all over and determine which information to tackle first. There are two options, disputing a few items at a time or to do what is called a "blanket dispute" and dispute everything at once.

5.) Finally, do your research. Make sure you read as much as you can so that you know what's going on and don't have to take someone else's advice.

Answer 3

None. They cannot do anything you cannot do. Go online at B&N and look for Credit Repair Guides. These are the same tools and letters that repair places use. If you check www.bbb.org, the better business bureau you will find that many of these places never fulfill their promise. Technically, there is no such thing as credit repair. If there are errors, no problem. Credit Bureaus are allowed by law not to honor or investigate frivolous claims such as "not my account." Credit repair places would have you believe you can nag the Bureaus and win. No way. They all work together to ensure accuracy of credit accounts. If there is a legitamate error, it will be fixed. Otherwise, time and paying bills on time is the only true credit repair.