Best Credit Repair Company Reddit

please click for source To me, that sounds like an over promise. Are you sure you will be able to make your mortgage payment each month if you are having trouble making a student loan payment? The late payments I'll live with.

As someone who responds to credit disputes, I personally think credit repair agencies are a scam. My debt to credit ratio flip flopped. A friend of mine tried a credit repair service.

I vowed to fix what I could on my own then turn over any immovable objects to the pros You can do it. He later went to a bank for a loan. Good luck! And took a look at them. You would almost assuredly be better placed to delay this home purchase until you get your credit taken care of a bit more. I'd like to recommend creditboards. In the past, it was an issue. Be careful with those companies, but I can recommend using one with a good reputation to dispute the reports.

I was looking at Credit Repair solutions and found a business who could magically get all negative items removed. You can work through one of the credit reporting companies. I was wondering if anyone has experience with a solid provider I can reach out to that I could trust and can actually get stuff done instead of waste time.

As far as those who will work with your creditors to reduce and consolidate your debt, those can sometimes do more harm than good. I used to work for an Equifax branch removing mars from people's credit. Yet again you did climb substantial points though. They told him it would have been better off had be not used the service. The truth is, no matter what they promise, it's not up to them, so results are often not what they promise. It may have had something to do with a high utilization rate, and late payments posted a few years ago.

My credit has gone up points in the last few months by just simply disputing items in my credit through the credit bureaus. I would actually use something like this Like in addition to sending the letters the also add fake loans and things inngood standing and paid off to boost your credit?

And have the time. How the heck is your interest that low? If you're going to try to settle with the lender then instead of letting them report it as "Paid for an amount less than total" or "Settled for less than total amount", tell them that you might be able to come up with a lump sum if they will do a "pay for delete".

Most of these people were applying for a mortgage. But, if you really are serious about having it done - and want to do it right - only you can do that. I really don't remember the specifics but it helped him get his life in order again. Don't use any of these Credit Free companies because they'll just take a cut of money cash only too and point you to a Proposal Administrator anyway.

A few did come back later on but that is to be expected. It's easier to get stuff removed if it is paid already, then the company really has no stake in keeping an old, paid collection on your report. Figured I would check here. Settling a debt is no better than just not paying and letting it fall off after time passes unless they agree to remove it from your report good luck on that happening Plus you said it is already in collections so you have 2 entires on each report for the account A Proposal Administrator can take care of negotiating a low settlement and helping you manage a flat rate debt repayment.

Edit: my current score via credit karma which I know isnt the most accurate is I have a couple low limit cards that I pay on time as well as a car payment. That is also something you can do yourself with a little research on how to approach the situation.

I took that into consideration with my loans. You assured credit repair sacramento think dispute your own credit for free. Just look at how your credit score works. I was deployed in Afghanistan and had credit issues from my divorce so didn't have time to send all the challenge letters and such to fix my credit myself.

Just be sure to get it in writing and then may sure that they delete it from your credit reports. And a credit repair agency doesn't matter when researching an account to respond to a dispute. I disputed my student loan that was in collections but settled and paid off. They completely removed it. There is no person or company that will care about it more than you or will do a better job at it then you. They estimated 3 months and honestly after they started disputing things the biggest change I noticed was getting letters that there was fraud locks being placed on all 3 of the credit bureaus.

Also I disputed a late payment with Kohls and they removed that. I'm concerned my disputing hasn't gotten anywhere with my loan companies from late payments from that long ago so idk.

Should I ever think about conaolidating? Make sure you build up a next egg outside your down payment just in case. The longer and older the better. Keep reading, there are plenty of good guides on how to do it yourself here. And you will pay again the following month for the same work. Do it yourself. It's good you're taking steps to get your monthly's in order. Writing a few letters is really not that hard, and you will do a far better job in your own interest then another company will do for you.

On that note, I have used 2 services that I can recommend. I'm not sure how the customers started things on their end, maybe through their realtor or lender never saw that sidebut when we'd fix things for someone at Equifax, we faxed their info to the other two credit companies to remove from their record.

Can you give us more data on what your "shit credit" looks like? The best method is to educate yourself and do process repo credit acceptance yourself. Yes, there is a learning curve. I honestly think that they might even be the same company since the backend for them looks alike and some predefined emails are continue reading near match.

For the price I preferred creditrepair. If you need help or more information we offer a free step by step mini course that can help you educate yourself on how to go about getting better credit. That's why its currently in collects and on a payment plan. I had a ton of negatives and they were able to get about 35 removed from the 3 bureaus.

None will do anything you can't do for free. Thanks everyone. Let me know if you would like me to send the info to you. SkyBlue swears they are the fastest in the business supposedly 15 items a month but from what you said no where near half. The husband and I both have been successful with our own removals. I am not opposed to this. My highest is 6. I unfortunately don't have the time to do so and don't mind at all paying to have it done for me. The credit repair agencies use that to say "see, we're doing a good job!

I didn't pay a dollar and just took a few hours of time. Thanks in advance. In your case, I don't think you can do this with student loans. No asking for DMs or emails. Violation is an immediate and permanent ban. I'll wait a few years and write a good faith letter seeing if they will stop reporting them or possible delete them from record since I no longer hold an account with them.

Fixing your credit will not happen fast. My dads friend was in heavy debt and he used a service like this, but i don't recall the name as this was years ago but i believe they pay off the debt, or rather they settle on a lesser price and then you pay that to them? Very nice. Came to say this. I use CreditKarma and Experian to check my credit score, and it recently dropped from Excellent to Poor within a few months.

Anyone who offers to do this stuff for you is taking you for a ride. A lot of these are a scam or half-assed. I work full time and did not have the time to do all the paperwork and certified mailing myself.

As others have said, they cannot guarantee anything. I was able to pre qualify for a VA loan last week. The credit repair industry is full of liars, cheats and charlatans, some of them just have tax ID numbers. This sub-reddit is for sharing information directly in the community. The biggest chunk of your score is payment history. If I eliminate that payment plus convert my current rent into a mortgage there shouldn't be a problem.

My credit score jumped from to over in a course of a year. This is entirely correct but I also want to add that some people prefer to not worry about this stuff. Aren't there some companies that are dodgy and do certain things that are not so legai? You will not be welcome in this sub if you attack others. Now pay us more! You should find that you can do this stuff yourself if you have a little time and do a bit of research.

I have a full-time busy career, three kids, and I am completing a Masters program. They'll make one or two calls and then disappear. I found lexingtonlaw. Number pros credit repair phone Loans advised me to take care of this.

The IRS counts this as income. No Self-promotion - No self promotion of your services, products, videos, etc. I believe if you can prove insolvency you won't have to pay taxes but I don't know how difficult that is.

You will spend a lot of time reading and learning - but in the end, it will be worth it, guaranteed! I sighed up with Experian for my credit reports today. I can cut my own grass but I pay someone else to. So yeah I found it to be helpful, they got a ton of stuff removed from my report.

I was surprised that it went up that much. I'd like to hire a credit repair company to fix my credit, but I know there's a lot of BS out there.

They were able to get a lot best credit repair company reddit things deleted from my credit report. They will do what you can do on your own for free. You don't need a good credit rating unless you are borrowing money. I personally could recommend a couple of good companies that would do just this and don't sell your information.

Are there medical defaults, collections, charge offs, late payments and the like? For reference though, I hired them after I had paid repair reddibuy credit everything that I had in collections.

There are a few out there that will dispute the reporting out there in your name. Best Credit Repair Company? I'm planning on buying a home within the next 6 months. Thank you for your input and honestly wanting legit reviews since most of the times now it's fake those on their websites.

Our personal comfort zones will dictate what we delegate. All my current accounts are up to date and current.

I did my research like everyone here suggests and plugged away at it for a good year or so and was no longer making sizeable progress. And this rarely works. Log in or sign up in seconds. He illustrated that I can make more per hour than I would pay out doing such a task. You should never pay for an appendectomy or to rotate your tires, and especially doing your own lawn maintenance either. It will take time. As a lender, my experience with credit repair companies is that they just blast out a bunch of poorly written FACTA verification letters, and then try to dispute what are often legitimate negative marks.

If you really want to improve your credit score; spend some time reading and understanding how it works and what you should do to fix it. If it's validated, then contact them again with a settlement amount all at once or payment plan with an agreed on pay for delete. No matter who you choose, just make sure you understand their limitations. I paid off both cards in full CK hasn't updated yetbut I'm not sure why the score would drop over because of that You'd be surprised.

Yeah, there are legit companies out there, but they're still not doing anything that you can't do on your own. In the initial consultation, they lay out all that's required, tell them can could do this themselves in most cases but usually, the client pays because of the hassle.

Get everything in writing before you pay. They are required to keep records that allow them to list that negative information on your report. I think it's actually more simple than I thought I think. However, your ability to earn money is still finite. Lawn care and tires, sure, but a lack of time isn't really the reason I wouldn't DIY abdominal surgery. I used to think that credit repair was a predatory practice and that people should do it themselves but when you're either full time employed or an entrepreneur, you don't have time to deal with the minutia.

I've disputed it every year but It's about to come off my report anyways. Log in or sign up in seconds. First its 10k then Its 5k then suddenly some fees they totally told you about.

I had a friend basically lecture me for me doing my own yard work, trimming trees and such. Which one would best best and perhaps best bang for your buck and fastest?

Just started using them so no real results yet but they've been very easy to work with. Many times the companies who are reporting on your credit report will remove themselves once the account is closed if you ask them to. That being said, there are some non-profit consumer credit counseling agencies that are reputable and will offer services for free.

However, investing 2 hours a week into lawn credit 609 brandon repair weaver is a hell of a lot easier and less time consuming then trying to find a job that pays you more than they earn for 2 hours and dealing with a third party who may or may not do up your lawn the way you want it. Use of this site constitutes acceptance of our User Agreement and Privacy Policy. CRedit submitted 2 years ago by wadamean.

I found some great credit repair companies here repair ga credit columbus i think it all depends on your specific situation. And debt collectors will often accept a 'pay for delete' if you negotiate it. Remember, credit is a marathon, not a sprint. Well, to be fair, an appendectomy probably doesn't belong on that list.

Well, if it's paid it'll be closed. I had a bank account I over drafted and never paid back when I was like 18 and the bank just wrote it off. Lenders rarely adjust prior history, but if you are behind on accounts, they'll usually work to get you back on track. There is no mechanism short of a lawsuit to force them to remove it even if you have it in writing. My friend is a mortgage lender and on a monthly basis, there's always a couple of clients that have credit issues.

And it's free. My score went up over points after they helped me get rid of some collections accounts. If you can answer that question you should be able to repair it yourself.

Pay for deletes are not binding on the creditor. More of a "why buy a car when there is a inexpensive public transportation system" argument. Go read And took a look at them. Those things are tantamount to getting a credit card and maxing it out day 1. Now, I'm just waiting for Credit Karma to get the update from my bank so that I can see my score go up again.

If you don't really have negative marks, there's nothing a credit repair company can really do. Https://creditrepair.casa/credit-repair-houston-tx.html they're more of a credit coaching service, where they'll tell you what you need to do to get your credit cleared up on your own.

The repair company he refers them to doesn't take payment unless it's removed from the report. Join the community in our main reddit! Leonid Rogozov is a famous self surgeon left with no alternative.

It is quite amazing. I have a high credit card utilization. Become a Redditor and join one of thousands of communities. I finally gave up and am doing it the old fashioned way and waiting my 7 years for it to fall off. Post a comment! Don't waiver on the pay for delete, and get it in writing.

Create an account, best credit repair company reddit. Student loans are a little trickier but you can always get it reduced if you insist you'll never be able to pay it in full and want a lower settle amount. If you ask them after you pay them they will just laugh credit repair tell you to take a hike most of the time.

Submit a new text post. But only to the amount of about 2K max. Much credit solutions to call the loan holders yourself and negotiate a lower payment. Enjoy the Wiki? I was just illustrating that we can do anything ourselves but for some tasks, it's better to let someone else handle it. Always get the new terms in writing before you pay and do not ever give them direct bank access which they will ask for.

I understand the point about perhaps not having time to deal with minutiae, but my gut feeling is that if you are in such dire financial straits that you cannot afford to pay your creditors then you probably can't afford to pay a group of professionals to write letters and make phone calls on your behalf. Just don't do it.

All of this should only take you an hour or two MAX and should get you on the track of recovering your credit. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports. Why did your credit score so quickly? I waited 7 years and my credit went up points, not applicable to student loans, but still awesome to see it works. I agree. Go to www. Get an ad-free experience with special benefits, and directly support Reddit.

The day it goes on your credit report I think? It all comes down to what you have time for and whom you're comfortable with delegating responsibilities to. Not sure why you got down voted.

Again, you can do this stuff yourself but it's tedious. All they did was send out letters on my behalf and the credit accounts I had would mail me back saying a third party is trying to crash my credit report. There's no one size fits all for everyone. It was probably a predatory private loan that was marketed as a student loan. They also ask you to sign up to receive an updated more accurate than Credit Karma credit report every month.

Welcome to Reddit, the front page of the internet. You should never pay for credit repair. Also, I've since ran into significantly more stubborn accounts on my credit report that I felt were beyond what I could make sense of and started using frscredit. I had a few of those cuz I opened some credit cards when I was really young and stupid and didn't understand how credit cards worked.

You can do that all yourself. Want to join? Sky Blue was really good. But you can build your credit very easy. In about three months I was able to raise my score a lil more than 60 points without spending anything more than postage costs. Negotiate from there. If you post the answer here I'm sure that you'll get some advice. You can spend 4 hours fixing 1 item on your credit report and still have to deal with it in 2 months from now or get someone that not only knows what they're doing but also has contacts and relationships in place to fix it right.

All rights reserved. I have two dings on my credit report - from Kohls and Chase - and no amount of calling and goodwill letters and negotiation over the past year has worked. No because repairing your credit is a ridiculously simple process and quite frankly common knowledge amongst the educated. Want to join? Fact is, sometimes yard work is nice escapism.

Obviously, there is going to be some earning level where it just makes sense to use a service. It is very common to lead people down a never ending trail of paying money to the repair service.

That's one aspect that isn't inclusive of all people that need credit repair. Don't make some bullshit argument about how you could earn more money hiring someone to do it for you. If it's accurate, you can't. Only if you ask them as part of an agreement in paying them in full or some other agreed upon amount. Use of this site check this out acceptance of our User Agreement and Https://creditrepair.casa/credit-repair-cloud-login.html Policy.

Sometimes fixing your credit yourself just doesn't work, too. Cancelling is very easy too. I've heard that you need to get an agreement in writing that says they will remove it from your credit once its paid. Want to add to the discussion? And there were some hard credit inquiries on there and I actually called to dispute the because 4 out of 9 should have fallen off 2 months ago according to my report so really if I can scrounge up 4K, pay off credit cards and the other random things in collections I am hoping that will help??!

Federal student loan debt and private student loan debt are totally different and OP didn't specify which he has. I have a friend in the mortgage business and he's constantly referring people to a credit repair firm that fixes their problems quicker than they can do it themselves so they can get a home. Lenders pay visit web page lot of money to access credit reports and they want to see accurate information.

It's not supposed to. All rights reserved. I had a couple emergencies in December that forced me to max out a card. Sure many of us make more than a lawn care worker Even after taxes. Even if it is settled for less. If you're looking at medical collections you might google the "whychat" method.

Thank you for pointing out the fallacy of the "My hourly wage is more than the hourly wage I would pay someone else to do this task, therefore I should pay someone else to do this task. The problem is that there are a lot of "credit repair companies" out there that are only interested in getting fees from you, not in actually repairing your credit.

It will fall off your report after 7 years give or take.

In the past, best credit repair company reddit, it was an issue. Most of these people were applying for a mortgage. You don't need a good credit rating unless you are borrowing money.

I would probably just call the loan company first before even bothering with those jokers at the collection agency. I signed up as a reseller of credit repair services through HTDI financial once upon a time. I'm not sure how the customers started things on their end, maybe through their realtor or lender never saw that sidebut when we'd fix things for someone at Equifax, we faxed their info to the other two credit companies to remove from their record.

Submit a new text post. I found some great credit repair companies here but i think it all depends on your specific situation. I can tell you it gets better I am in the low end of Good credit now and in another 1.

Yet again you did climb substantial points though. SkyBlue swears they are the fastest in the business supposedly 15 items a month but from what you said no where near half. And I don't think they have an interest in making sure bankruptcies are recorded at the credit bureaus. Thank you for your input and honestly wanting legit reviews since most of the times now it's fake those on their websites. Welcome to Reddit, the front page of the internet. If so that is great. The truth is, no matter what they promise, it's see this article up to them, so results are often not what they promise.

CRedit submitted 5 years ago by nychustler. If see this article are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports.

They are required to keep records that allow them to list that negative information on your report. Request that the credit reporting companies verify the bankruptcy. Settling a debt is no better than just not paying and letting it fall off after time passes unless they agree to remove it from your report good luck on that happening Plus you said it is already in collections so you have 2 entires on each report for the account A Proposal Administrator can take care of negotiating a low settlement and helping you manage a flat rate debt repayment.

I used to work for an Equifax branch removing mars from people's credit. There's no one size fits all for everyone. I really don't remember the specifics but it helped him get his life in order again. When was the DOFD for your negative accounts? I had skyblue for a couple months and they moved brandon weaver credit repair slow I had like two things removed.

Are you sure you will be able to make your mortgage payment each month if you are having trouble making a student loan payment? This needs to happen within 30 days.

If it is removed it can not be reposted. I had a couple emergencies in December that forced me to max out a card. No, you are missing the point. Log in or sign up in seconds. Apparently, at the time I heard this, it was a physical file. I use sky blue they are cheaper than competitors. If it comes back valid then do it again until they don't validate.

Having open, active accounts that are being paid on time and low credit utilization is the fastest way to build good, solid credit. The installment loan will have lexington credit reviews greatest impact on your FICO score when the amount owed is at its smallest such as a few months before the loan is paid in full. Make sure you build up a next egg outside your down payment just in case. Knowledge should never be hidden nothing but love.

Now, I'm just waiting for Credit Karma to get the update from my bank so that I can see my score go up again. They'll make one or two calls and then disappear. All rights reserved. I'm a busy guy and it made more sense for me to pay the cost in cash rather than in time sunk in and stress.

Same but I figured people may have doubted that I was a real person lol sounded a little like an ad there, but just being honest and answering OP's question. Imo they are better than the competitors. But now people are down voting it? Become a Redditor and join one of thousands of communities. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports.

Some new debts won't. My score went up over points after they helped me get rid of some collections accounts. No matter who you choose, just make sure you understand their limitations. Keep in mind, building credit is a marathon, not a sprint.

If I eliminate that payment plus convert my current rent into a mortgage there shouldn't be a problem. Do it yourself. I mean the irony here is that I found Blue Sky through this subreddit on a very similar thread. Get an ad-free experience with special benefits, and directly support Reddit. While you can do everything a credit repair agency can do, they do have one thing you might not have: time.

My wife did one last year. Best credit repair company reddit hope people listen to you. It involves demonstrating to a potential creditor that a person can handle credit responsibly. But since the collections agency is forbidden from taking collection activity until they have re-verified the debt, they cannot reply to the credit reporting agency and consequently the CRA drops the item from your report.

Want to join? Get an ad-free experience with special benefits, and directly support Reddit. I'm planning on buying a home within the next 6 months. Want to join? They were able to clean up my report and remove several items I wasn't getting any luck on myself. For me, it was worth it. I also learned a lot and now I help my friends fix their credit because when you see them cry in desperation.

They're allowed to "check out" for 60 days. God bless you Man. The reporting agency sends a request for validation to the creditor. Enjoy the Wiki? The way HTDI sets it up is you forward all correspondence to me and I to them and they draft the letters for you. They are required to keep records that allow them to list that negative information on your report.

I did my research like everyone here suggests and plugged away at it for a good year or so and was no longer making sizeable progress. They estimated 3 months and honestly after they started disputing things the biggest change I noticed was getting letters that there was fraud locks being placed on all 3 of the credit bureaus.

Use of this site constitutes acceptance of our User Agreement and Privacy Policy. My dads friend was in heavy debt and he used a service like this, but i don't recall the name as this was years ago but i believe they pay off the debt, or rather they settle on a lesser price and then you pay that to them? It breaks my heart and I do it for free. All rights reserved. I don't know whether this is still possible, since I heard of it years ago. If the file wasn't there, the credit reporting company would assume it was a mistake and take it off their records.

Things may have changed. If you don't really have negative marks, there's nothing a credit repair company can really do. Log in or sign up in seconds. So, using one card each month to buy lunch, letting it report and then paying in full will maximize FICO scoring. If they repost it show the agency proof it was already removed and boom.

Join the community in our main reddit! I think I used their services for a total of 3 or 4 months before it looked like progress wasn't being made and I stopped. Don't use any of these Credit Free companies because they'll just take a cut of money cash only too and point you to a Proposal Administrator anyway. I was deployed in Afghanistan and had credit issues from my divorce so didn't have time to send all the challenge letters and such to fix my credit myself.

I believe if you can prove insolvency you won't have to pay taxes but I don't know how difficult that is. They will do what you can do on your own for free. It's really just validation letter after validation letter after validation letter until they slip up and don't validate within 30 days. Use of this site constitutes acceptance of our User Agreement and Privacy Policy.

Submit a new text post. Lots of older things come off. What you would do is send two certified letters, one to the collection agency challenging the debt and one to the credit reporting agency challenging the item on the report. Yeah don't do it there is no easy way and usually results in a waste of money and possibly more problems. And they advise you on everything. When my score was I wanted to buy a house but I knew I was nowhere near where I wanted to be but I couldn't afford going to a credit repair company.

It's good you're taking steps to get your monthly's in order. The IRS counts this as income. When they request a verification, a clerk would physically go to the file to verify the information.

I figured Blue Sky was cheap enough to try so why not? Credit is a journey as someone that had major problems 5. Also, under the FCRA if you challenge the validity of an item on the credit report then they have to request proof of the accuracy of the item within a period of time 30 days maybe? I found lexingtonlaw. Maybe more. Do those credit lines only have positive history? They have 30 days to prove to the reporting agency the debt they claim is valid. In the meantime the credit reporting agency gets your challenge, then sends the collection agency a request to validate the debt.

Not sure why you got down voted. A lot of these are a scam or half-assed. The collection agency gets the letter and then they have to go back and verify the debt. But it only costs a buck to try each time. Requesting the bankruptcy file from federal court. So I don't think a secure card would help me at this point unless I want to flood my credit report with good stuff.

It's not hard, just make the commitment and setup a small monthly budget and you can make a pretty hefty impact in less than a year. I think the only difference is in my example, the federal government takes the place of the debt holder. Plus a Kohl's card I rarely use. The husband and I both have been successful with our own removals. The problem is that once they've validated your debt they can put it right back on there or sell it on, so it's generally not a very effective strategy if you want something permanently removed.

Quicken Loans advised me to take care of this. Three months in, all my scores had gone up over points, all but one negative item was removed, and we stopped the process. You would almost assuredly be better placed to delay this home purchase until you get your credit taken care of a bit more. That's why its currently in collects and on a payment plan. And anyone looking to settle are just looking to make a quick buck because they probably bought that car repo bad loans credit for less than that.

You can work through one of the credit reporting companies.

Credit is a journey as someone that had major problems 5. Plus a Kohl's card I rarely use. If it is removed it can not be reposted. But since the collections agency is forbidden from taking collection activity until they have re-verified the debt, they cannot reply to the credit reporting agency and consequently the CRA drops the item from your report.

You can work through one of the credit reporting companies. As far as student loan companies I have found them to be very willing to work with you. Basically: If its not worth your time, it might be worth your money. No asking for Visit web page or emails.

SBCR has a 90 day money back guarantee and is cheaper than CR, any advice on whether one is better than the other? If they repost it show the agency proof it was already removed and boom. The reporting agency sends a request for validation to the creditor. In the meantime the credit reporting agency gets your challenge, then sends the collection agency a request to validate the debt.

Make sure it's actually in collections. They're allowed to "check out" for 60 days. One thing to make sure to ask is how many interactions they take each month. No, you are missing the point. I am A registered nurse. Violation is an immediate and permanent ban. Most of these people were applying for a mortgage. A few did come back later on but that is to be expected. But it only costs a buck to try each time. Create an account.

Ask for credit repair programs Nelnet allowed me to make on time payments for a certain period and then they got rid of my bad credit marks. You are paying for the convenience of having someone else send the letters, keep track of them, and follow up. When was the DOFD for your negative accounts? Lots of older things come off.

For the price I preferred creditrepair. In the process of figuring out how to repair my credit. They had a nice website to see all of the letters that had been generated and I could choose which items for them to focus on and change them at any time.

They are all a waste of time and money. There is a huge difference. The way HTDI sets it up is you forward all correspondence to me and I to them and they draft the letters for you. Little bit of time and effort will pay off in the long term. It's really just validation letter after validation letter after validation letter until they slip up and don't validate within 30 days.

Go read Don't feed an industry that preys on the uninformed, you can fix it all yourself. Also, under the FCRA if you challenge the validity of an item on the credit report then they have to request proof of the accuracy of the item within a period of time 30 days maybe? Which one would best best and perhaps best bang for your buck and fastest?

Make good money. I signed up as a reseller of credit repair services through HTDI financial once upon a time. Yeah don't do it there is no easy way and usually results in a waste of money and possibly more problems. I just chose to pay for someone else to do the work. Post a comment!

And anyone looking to settle are just looking to make a quick buck because they probably bought that debt for less than that. Go read this I have written a guide based on my personal experience and research of this topic.

What you would do is send two certified letters, one to the collection agency challenging the debt and one to the credit reporting agency challenging the item on the report. I used to work for an Equifax branch removing mars from people's credit. Just have shit credit from poor decisions when I was younger. Was looking into a credit repair company but I get so many mixed reviews when looking them up online. And gave no idea where to start!! Some new debts won't. I can cut my own grass but I pay someone else to.

If so that is great. I used a company called Lexington Law Firm pretty big for about 3 months simply to keep up with generating all of the letters and putting some muscle behind the letters. And time warner cable decided to remove my auto pay one day without telling me. I did rhis when I bought my first house. Want to add to the discussion? You don't need a good credit rating unless you are borrowing money.

Are you sure you will be able to make your mortgage payment each month if you are having trouble making a student loan payment? Maybe more. Many other people have said it though, if it sounds too good to be true it probably is.

I would probably just call the loan company first before even bothering with those jokers at the collection agency. Because I want to buy a house eventually. My wife did one last year. They will take a lot longer than if you did it on your own. Just always remember that they are doing something you could have done yourself by reading the myfico forums and doing some googling.

I'm a busy guy and it made more sense for me to pay the cost in cash rather than in time sunk in and stress. Score went from to within a month. Figured I would check here. When they request a verification, a clerk would physically go to the file to verify the information. So I don't think a secure card would help me at this point unless I want to flood my credit report with good stuff. I'd like to hire a credit repair company to fix my credit, but I know there's a lot of BS out there.

Welcome to Reddit, the front page of the internet. On that note, I have used 2 services that I can recommend. I was looking at creditrepair. It's a marathon not a sprint. I was wondering if anyone has experience with a solid provider I can reach out to that I could trust and can actually get stuff done instead of waste time. Also credit is not a speed thing. I can tell you it gets better I am in the low end of Good credit now and in another 1.

You can do both yourself. Thanks for the info -- greatly appreciated. I have successfully navigated credit disputes before that but having someone else stay on top of it was nice. If the file wasn't there, the credit reporting company would assume it was a mistake and take it off their records. Quicken Https://creditrepair.casa/do-it-yourself-credit-repair.html advised me to take care of this.

Recommended credit repair companies?? New to this subreddit. Requesting the bankruptcy file from federal court. No Self-promotion - No self promotion of your services, products, videos, etc.

While you can do everything a credit repair agency can do, they do have one thing you might not have: time. It's not hard, just make the commitment and setup a small monthly budget and you can make a pretty hefty impact in less than a year.

I think the only difference is in my example, the federal government takes the place of the debt holder. Just keep good notes and records. This is entirely correct but I also want to add that some people prefer to not worry about this stuff.

Join the community in our main reddit! I had a ton of negatives and they were able to get about 35 removed from the 3 bureaus. If you expect them to use magic powers or something you will be mistaken. Thanks in advance. Credit repair isn't magic and it takes hard work. This sub-reddit is for sharing information directly in the community. Three months in, all my scores had gone up over points, all but one negative item was removed, and we stopped the process.

I have not used sky blue so I can't speak on them. Things may have changed. Request that the credit reporting companies verify the bankruptcy. I'm not sure how the customers started things on their end, maybe through their realtor or lender never saw that sidebut when we'd fix things for someone at Equifax, we faxed their info to the other two credit companies to remove from their record.

Don't Shame Others - Everybody makes mistakes in their life and this platform is here for us to work together to correct them. Do those credit lines only have positive history?

You would almost assuredly be better placed to delay this home purchase until you get your credit taken care of a bit more. I don't know whether this is still possible, since I heard of it years ago.

Edit: my current score via credit karma which I know isnt the most accurate is I have a couple low limit cards that I pay on time as well as a car payment. There is nothing a credit repair company can do that you can't do for cheaper and quicker. I honestly think that they might even be the same company since the backend for them looks alike and some predefined emails are a near match. You will not be welcome in this sub if you attack others.

None will do anything you can't do for free. Become a Redditor and join one of thousands of communities. The collection agency gets the letter and then they have to go back and verify the debt. Apparently, at the time I heard this, it american credit repair a physical file. I'm planning on buying a home within the next 6 months. And I don't think they have an interest in making sure bankruptcies are recorded at the credit bureaus.

This needs to happen within 30 days. CRedit submitted 2 years ago by wadamean. The problem is that once they've validated your debt they can put it right back on there or sell it on, so it's generally not a very effective strategy if you want something permanently best credit repair company reddit.

Consider checking out these reddits to do just that! Hey all. If it comes back valid then do it again until they don't validate. Credit repair takes time. Takes about 30 minutes a day for a few weeks. They have 30 days to prove to the reporting agency the debt they claim is valid.

Basically: If its not worth your time, it might be worth your money.

These places do nothing that you cannot do yourself. It is better to do your own repairs. Best Credit Repair? The one credit card you allow to post a balance needs to be less than 8. It involves demonstrating to a potential creditor that a person can handle credit responsibly. No Self-promotion - No self promotion of your services, products, videos, etc. None will do anything you can't do for free. It's not supposed to. Having open, active accounts that are being paid on time and low credit utilization is the fastest way to build good, solid credit.

And gave no idea where to start!! Clean up your credit yourself. If they dont take it off, you send that in to the beruos and its gone. Was looking into a credit repair company but I get so many mixed reviews when looking them up online. That's one aspect that isn't inclusive of all people that need credit repair. If the smallest one is found they usually have to take it down. Thanks in advance. The repair company he refers them to doesn't take payment unless it's removed from the report. Become a Redditor and join one of thousands of communities.

Half of the bankruptcy clients that come into the attorney's office where I work have some kind of credit company "helping" them.

Get everything in writing before you pay. Make sure it's actually in collections. It will fall off your report after 7 years give or take. New to this subreddit. You will not be welcome in this sub if you attack others. If you are persistent and persuasive you absolutely can get them to consider the debt settled in full for a fraction of the debt owed. Score went from to within a month.

All what is credit repair reserved. Credit consolidation and credit repair companies are horrible and almost never work for people. Don't Shame Others - Everybody makes mistakes in their life and this platform is here for us to work together to correct them. There's more to credit repair that simply disputing items on the credit report.

It is. They can only look for inconsistencies and things that might have been entered twice or other mistakes. Want to add to the discussion? Make good money. If you have legitimate see this article then you have to work with the lenders to settle them and close the accounts. Takes about 30 minutes a day for a few weeks. You can typically call and settle with them for a fraction of the cost.

No asking for DMs or emails. Yeah, there are legit companies out there, but they're still not doing anything that you can't do on your own. CRedit submitted 5 years ago by nychustler. I did rhis when I bought my first house. The installment loan will have its greatest impact on your FICO score when the amount owed is at its smallest such as a few months before the loan is paid in full.

Post a comment! Next, is paying in full all of the credit card balances each month, before the posting date, except one. There is no mechanism short of a lawsuit to force them to remove it even if you have it in writing.

Welcome to Reddit, the front page of the internet. Join the community in our main reddit! Came to say this. Submit a new text post. I would probably just call the loan company first before even bothering with those jokers at the collection agency. I used a company called Lexington Law Firm pretty big for about 3 months simply to keep up with generating all of the letters and putting some muscle behind the letters.

I understand the point about perhaps not having time to deal with minutiae, but my gut feeling is that if you are in such dire financial straits that you cannot afford to pay your creditors then you probably can't afford to pay a group of professionals to write letters and make phone calls on your behalf.

Lenders pay a lot of money to access credit reports and they want to see accurate information. They had a nice website to see all of the letters that had been generated and I could choose which items for them to focus on and change them at any time.

Log in or sign up in seconds. As a lender, my experience with credit repair companies is that they just blast out a bunch of poorly written FACTA verification letters, and then try to dispute what are often legitimate negative marks.

The only surefire way to get negative items removed from your credit report is to wait until they fall off. Hey all. You get a letter of settlement. They are required to keep records that allow them to list that services wells fargo credit repair information on your report.

Enjoy the Wiki? This sub-reddit is for sharing information directly in the community. Keep in mind, building credit is a marathon, not a sprint. And anyone looking to settle are just looking to make a quick buck because they probably bought that debt for less than that.

If they claim to do something you cannot do yourself, they are lying. I just chose to pay for someone else to do the work. No money to burn then use google. Create an account.

Edit: my current score via credit karma which I know credit repair bbb rating the most accurate is I have a couple low limit cards that I pay on time as well as a car payment. I have successfully navigated credit disputes before that but having someone else stay on top of it was nice.

Which is all that a credit repair service is going to do. If it's accurate, you can't. Sometimes fixing your credit yourself just doesn't work, too. For starters, in many cases they are legitimate debts and will be verified. Violation is an immediate and permanent ban. Getting your credit in order sometimes requires you to also get a reign on your life overall.

But they're more of a credit coaching service, where they'll tell you what you need to do to get your credit cleared up on your own. Just have shit credit from poor decisions when I was younger.

Get an ad-free experience with special benefits, and directly support Reddit. My friend is a mortgage lender and on a monthly basis, there's always a couple of clients that have credit issues. Just keep good notes and records.

I am A registered nurse. I vowed to fix what I could on my own then turn over any immovable objects to the pros You can do it. Lenders rarely adjust prior history, but if you are behind on accounts, they'll usually work to get you back on track. They're lying to you. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports. Many other people have said it though, if it sounds too good to be true it probably is.

Can you give us more data on what your "shit credit" looks like? Keep reading, there are plenty of good guides on how to do it yourself here. Figured I would check here. When you do this get it in writing they are settling and that they will REMOVE it from your score - not marked it as paid. So, using one card each month to buy lunch, letting it report and then paying in full will maximize FICO scoring.

Credit repair services exist to make money, they make their money off their clients AKA you. Credit repair isn't magic and it takes hard work. I had a few of those cuz I opened some credit cards when I was really young and stupid and didn't understand how credit cards worked. Nothing that you can't do for free and it will most likely not do anything. Additionally if they don't respond in a certain amount of time you can have it removed from your score.

In the process of figuring out how to repair my credit. Are there medical defaults, collections, charge offs, late payments and the like? Pay for deletes are not binding on the creditor. You should find that you can do this stuff yourself if you have a little time and do a bit of research.

I have two dings on my credit report - from Kohls and Chase - and no amount of calling and goodwill letters and negotiation over the past year has worked. Even if it is settled for less. Want to join? Send the company collecting a ton of requests asking for documentation, claiming there is an error. Ultimately, what a person needs to improve their FICO scores and build credit are three open credit cards secured or unsecured in good standing and one open installment loan in good standing such as a car, home, student, personal, share secured, or credit building loan.

That being said, there are some non-profit consumer credit counseling agencies that are reputable and will offer services for free. I have really bad credit and wanted to know which credit repair company is best and why. In the initial consultation, they lay out all that's required, tell them can could do this themselves in most cases but usually, the client pays because of the hassle.

Well, if it's paid it'll be closed. I have heard a lot about Lexington, Skyblue, and credit repair. Ask for credit repair programs Nelnet allowed me to make on time payments for a certain period and then they got rid of my bad credit marks. And time warner cable decided to remove my auto pay one day without telling me. Either work it out with your loan company yourself, or hire an attorney. Consider checking out these reddits to do just that!

That's really the only way to get legitimate adverse debt items off of your report. As far as student loan companies I have found them to be very willing to work with you. There is a huge difference. The best method is to educate yourself and do it yourself. Because I want to buy a house eventually. And this rarely works. There are tons of resources and guides online. And debt collectors will often accept a 'pay for delete' if you negotiate it.

So if you are paying them to repair your credit you are spending money that could otherwise be used for paying off your debts. I've heard that you need to get an agreement in writing that says they will remove it from your credit once its paid.

You can do both yourself.

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