2007-03-27 06:42:45 · 5 answers · asked by shannen s 1 in Business & Finance ➔ Credit
No company can "fix your credit." You simply have to pay off your debts and establish a favorable credit history. There is no quick fix, it takes time and consistency.
2007-03-27 07:01:05 · answer #1 · answered by exiletheking 2 · 0⤊ 0⤋
Their are ways to repair your credit, regardless of what people say.
The first thing to do is to start disputing the negative entries on your credit report. Dispute as not mine or never late only. They have 30 days to respond with PROOF or it gets removed.
The second thing is to stop paying on any accounts that are in collections. These entries stay on your report for 7 years. Every time you make a payment the 7 years starts again. Send them an offer to pay the debt for removal of the negative entry. Do not budge!! Removal for pay or nothing at all. If they do not agree, stop making payments and forget about it. It will be to your advantage, because the entry stops re-aging and after time will have a lot less impact on your credit score.
The only way to deal with collections, is in writing and always send all letters certified return receipt.
Third, apply for a credit card and start rebuilding your credit.
Check out the resources below for some good info
Good luck
2007-03-27 10:45:40 · answer #2 · answered by Matt 4 · 0⤊ 0⤋
I have worked with them and they did improve my credit score enough for me to qualify for a sub-prime rate home loan, when I couldn't qualify before. I was with them for a little over four months. Their staff is extremely helpful with any questions you may have. And the best part about them is that they have a clean BBB record and have been in business for quite some time. I was really impressed considering the stigma that goes along with credit repair.
2007-03-29 06:25:05 · answer #3 · answered by Brook 1 · 0⤊ 0⤋
I have not heard of this company but yes your credit can be fixed. It takes time and being consistent but it can be done. It is something you can do yourself but like I said it takes alot of time most of my clients do not have the time it takes. They also know I have the tools needed to help them. Check out our website and see if we can help. www.jcwilliamscreditservice.com
2007-03-27 11:36:29 · answer #4 · answered by Anonymous · 0⤊ 0⤋
In order to fix your credit, you must pay off your outstanding debts that our in collection. If you have any open credit lines, make sure you pay your monthly payments on time.
If you are looking for credit cards to apply for to help restore your credit rating and some free helpful consumer advice on repairing bad credit, go to http://www.bad-credit-credit-card-for-people-with-bad-credit.info/
2007-03-27 08:56:56 · answer #5 · answered by Anonymous · 0⤊ 0⤋