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Best Credit Repair
Bryan Said:Who is the best credit repair company out there? Is there such a thing?
We Answered:I have a credit restoration company, and the reason we have been so successfully is we have conference calls every week where all clients can listen if they choose. This keeps everyone up to date with there information, and in the loop as the scoring system changes and tips to strengthen there credit. (education is the key)
Also if they can prove the item is correct then it can not be remove. However, only about 40% of the time can they provide the correct information. There is nothing wrong with this where just able to use the laws on our side.
Marsha Said:What is the best Credit Repair Service?
We Answered:Ok, this is what i can say, yes credit repair companies can only do what you can do yourself, but like myself there are many other people out there that dont have them time to go 10 times to the post office and send off letters to all credit bureaus and all creditors that are listed on a credit report, sure you can, but you can also fix your own car, mow your own lawn and home school your kids but you dont. Instead you decide to use a professional.
I went and obtained all 3 of my credit reports, and then i seeked a professional, i used www.fastcreditsolutions.net
They were super helpfull and explained to my what my credit problems were and by how much i should lower my revolving accounts by.
My results were awesome they deleted a bunch of old collections and some late payments on my car loan.
They are pretty cheap and have awesome customer service, you can contact them below.
Fast Credit Solutions
Diana Said:Who are the best credit repair companies?
We Answered:None....no firm can remove accurate negative info.....Save you money and pay down balances of what you owe with the money you save.... The only thing these firms can do is request validation and hope that the credit bureaus can't validate...which means they must remove the items from your credit files. You don't have to pay anyone to do this.
Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) within 30 days or remove them from your credit file. Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver's license and social security card...If you don't include these, they may write back requesting them, which would slow the process down by several weeks. For each negative item, write a separate letter and simply include the phrase:
Per the Fair Credit Reporting Act, I am requesting written validation of this item.
Do this one at a time for each negative entry....DO NOT request validation for all items at one time.
There is NO guarantee that this will work....It may give some decent results. The worst that can happen is that all negative items come back verified.
Leo Said:What is the best credit repair company that has worked for you?
We Answered:Forget credit repair companies. Most are pure scam. There is nothing they can do that you can't do yourself.
Legitimate derogatory items stay on your credit report for 7-1/2 years from the date of first deficiency, whether paid, unpaid, or settled. Paying them off will not improve your score. You may as well settle for as little as possible.
Start negotiating with the newest derogatory item and work back to the oldest. The older an item, the less impact. Get written agreements before you pay and don't give the collector direct access to your bank account.
If you don't have any current, active accounts, get a credit card, even if you have to get a secured card. Use the card and pay in full each month. This builds good payment history which will start to rebuild your credit. You will need at least 24 months of consistent, on time payment history to see any improvement in your score.
Annette Said:What are the best ways for credit repair ?
We Answered:if you are looking for the best credit repair site, check out this site
Here you can improve your credit score rating and reduce your debt with the help of an expert.
Oscar Said:anyone knows the best credit repair company?
We Answered:Don't waste your money on a credit repair company. Most are outright scams. There is no special form letter or magic wand to fix bad credit. You have to wait out the 7 year reporting period to age off legitimate negative items.
Work on rebuilding your credit. You will need at least 24 months of consistent, on time payment history to see any improvement in your score. It takes years to build good credit. There are no shortcuts.
Lillian Said:what is the best credit repair service in uk?
We Answered:Only YOU can sort out YOUR credit history.
To do so, first you need to get your Credit Report from the Credit Reference agencies (Experian etc) = they have to give you your report (but can charge a max. of £10, although I believe Experian only charge £5).
Next contact all the companies/persons listed against you and sort out what you owe them.
You need them to accept the smallest possible amount to pay off the debt. Some may have already written off the debt.
Once the debt is repaid (or written off), you then have to get them to register the debt as 'satisfied' with the Courts (if it was CCJ) AND tell the Credit Reference agencies.
Alternative = go to a cowboy 'Debt Repair' agency who will rip you off for money you don't have (don't worry, they can get you a loan at 60% p.a.) and either do nothing or use part of the loan to pay off your other debts (whilst keeping a 'commission' of 25% for themselves).
Some will attempt to commit fraud in your name by writing to the Courts claiming that a CCJ is 'invalid' and should be 'put aside'.
This sometimes works because big Companies are often too slow to object in time. Needless to say, months later when the big companies find out what's been done they can take you to court again, this time claiming their legal costs to re-instate the original CCJ, so you end up with 2 CCJ's against you....
Typical end resut of using a Credit Repair Agency == your Debts of £10,000 are all paid off with a new loan for £20,000 (at 60%+) ... and they will have done things in your name that will come back to bite you later ..