2007-12-10 09:13:58 · 12 answers · asked by Nathan B 1 in Business & Finance ➔ Credit
A non-profit called Consumer Credit Counseling- been around for AGES.
2007-12-10 09:17:41 · answer #1 · answered by professorc 7 · 0⤊ 0⤋
You can. The best person to clean up your credit is you. Keep an eye on your credit report, and check to see if there is any false information. If there is false information, first attempt to have it removed by those reporting the false information. If that does not succeed, then report it to the credit agency. Next, even when you do have bad credit reports, you can sometimes make a deal with the reporter. Call them and ask what you can do - it doesn't hurt (generally) to ask. Finally - pay your bills and make sure there are no further bad reports made against your credit. Use your current credit well, and show that you've "changed your ways," even if that means you need to get a secured credit card in order to qualify for an unsecured one. After some time has passed, your new behavior will be reflected in your credit report, which will help, and your old, bad behavior will expire and be dropped from the report. Sometimes you need to contact the credit agency to have old behavior removed - check with them on time limitations for reporting.
2007-12-10 09:19:31 · answer #2 · answered by javelinco 5 · 1⤊ 0⤋
You can do everything the credit repair agencies do. First thing you do is pull a 3 credit burea report on yourself. Then look at the derogatory items that are on there. I dont know what state your in but you must first find out what your rights are. In my state if there has been no activity on a delinquent or closed account for 7 yrs the credit bureaus must remove it from your profile. If there is one there dispute it online with all three bureaus. Stating its past its statute of limitations. If you see one you dont recognize dispute. Demand the creditor provide you with proof of the credit granting. Them simply saying its valid IS NOT VALID. Collection agencies will tell you every lie in the book in order to send them money. Activity on an account simply means the last time they received money. So if you are disputing or doubting the debt dont send any money what so ever, especially if its an old debt, because once they receive money they can start reporting it again. If the debt is valid you can contact those grantors and ask for reduction. Sometimes they may offer it to you becuase they original grantor has written it off. The collection agency purchased the debt for pennies on the dollar, and if you pay they original amount they just made a killing off of you. I hope this helps good luck, make sure you read up on your rights for you state and stay informed.
2007-12-10 09:30:09 · answer #3 · answered by dvheyden 1 · 1⤊ 0⤋
No one. Regardless of what you hear, believe, or speculate based on signs on phone poles, the side of the road, or ads in the paper.
Your credit history is based on factual info, not opinion, not clairvoyant people sitting in a room.
If I loan you $1000 and you agree to pay it back over 12 months at 12% interest, then that's the facts. You pay on time or you don't. Some don't pay at all.
If your girlfriends cat's kitten has a ceasure and you have to pay to have it's head removed and can't send me the monthly payment, it's reported as late. You were late. Period. No one really cares about the kitten.
So don't buy credit repair or credit repair scams. Pay your debts.
2007-12-10 09:26:55 · answer #4 · answered by Anonymous · 1⤊ 0⤋
Try this site www.creditbureauexperts.com It depends on your situation, but basically what they do (for a reasonable fee) is dispute items on your credit report. They are most successful if the items are more than two years old.
2007-12-10 09:18:30 · answer #5 · answered by dhallkb 3 · 0⤊ 0⤋
Save your money and do it yourself. Start by disputing things on your credit. You may get lucky and the creditor may not respond and it will automatically get deleted. Just call your creditors and workout a pay for delete.
2007-12-12 10:44:52 · answer #6 · answered by outlawimmortal2 2 · 0⤊ 0⤋
Yourself
if you are in debt, find a way to pay it off
make payments on time
dont have too many things on credit
Your in charge of your own finances...
2007-12-10 09:16:56 · answer #7 · answered by Jemmax 6 · 1⤊ 1⤋
Only you can unless there are erroneous statements on your credit report. Then you should get it from experian and speak to them to get stuff removed
2007-12-10 09:17:40 · answer #8 · answered by Cally2001 3 · 1⤊ 0⤋
dave ramsey
2007-12-10 09:21:38 · answer #9 · answered by Runner Chick 2 · 0⤊ 1⤋
Only you can!! Good luck
2007-12-10 09:16:48 · answer #10 · answered by Nichola 2 · 1⤊ 1⤋