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Legally Repair Credit

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Jose Said:

do those companies that repair your credit really work? and which one should i use?

We Answered:

The best way to raise your score is to pay more than your minimum balance on your credit cards. If you do not have a credit card you can get a secured card with a credit limit around $500.00

Use your card to pay some basic expenses and then pay it off every month. The minimum will be around $15.00, but if you pay off the balance you will gain points for paying more than the minimum and also for paying on time.

If you need more credit repair tips check out

Good Luck,


Edwin Said:

I need to know regarding Lexington Law if I could trust this company/website for credit repair? legally?

We Answered:

I have seen many reports stating that they are a good company to use. However, to help you do your due dilligence, here is an article I published on my blog about how to tell the difference between the legits and the illegals or scams.

This topic is a really hot one right now. People are falling victim to so many scam artists out there who are taking people's money and offering false hope. There ARE legitimate credit restoration companies out there. But that is the key right there; restoration versus repair. Generally speaking, credit repair is a scam and credit restoration is legit. Does this mean all credit repair offers are scams and all credit restoration offers are legit? NO! It is up to you to do the research. If you can't do the bare minimum to protect yourself, then don't come crying to me if you are taken for all of your money. But, to help you determine the scams from the legits, here are 10 tips on how to tell the difference:

1: If they advertise that they will repair your credit in anything less than 18 months, you are not dealing with a legal company. The LAW requires that any credit restoration agency cannot advertise or represent that they can restore or repair your credit in less than 18 months. (Remember this number, it is going to come up again later.)

2: Check on how long the company has been in business. If they have been around for more than 10 years, you are probably dealing with a reputable company. (Honestly, there are really only three that are recognised as legitimate in the United States.) In a future article I will discuss them in more detail.

3: Do your due dilligence. Check with the BBB. The BBB will provide an unbiased report of how many complaints have been filed against the company in the previous three years. There are two things that you want to consider here. First, if there are more than a dozen complaints over the previous three year period, then this company has serious issues and you should be concerned. Also, if the BBB has no file at all on the business, just walk away from the business. Anyone who is hiding from the BBB should be looked upon with suspicion.

4: Ask for pricing when talking to one of their reps. If they hem and haw about what they charge, or say that it depends on how much they have to remove from your report, they are hiding something from you. A good rule of thumb, if the rep is unwilling to answer any question of yours up front and with honesty, you are not dealing with a legitimate company. This does not mean that if the rep states that they will answer the question in a moment, that they are hiding something. It just means that they are getting there and just need to lay a little groundwork first. Remember, reps are all salespersons. They are there to sell you their service. This is good, believe it or not. This encourages competition in the business and keeps costs down. (Which reminds me: DON'T PAY MORE THAN $1000 PER PERSON FOR THE SERVICE.)

5: Ask if the company is licensed, bonded and insurred. Ask for proof. If they will not show you their business license (which can only be obtained AFTER they have purchased their bond and insurance) this should raise alarm bells.

6: Ask for examples of successes the company has had. A legitimate company will have copies of investigation results (with personal information blacked out of course) that will show you how successful they can be.

7: How long are they going to work for you? Yes, that's right, remember that these companies work FOR you. If they are just going to maintain a business relationship with you for the length of time it takes to repair your credit, beware. What often happens in these cases is that after the company has cleared negative information from your credit report they sever their relationship with you and a couple of months later the information returns to your credit report. Now what are you going to do? Your options are to leave the negative information and suffer for 7-10 years or hire someone, again, to remove the information, again. A reputable company will stay with you for the FULL 18 months (I told you this number would come up again). This allows them to continuously monitor your credit reports and remove any negative that may re-insert itself after the initial sanitizing.

8: What other services do they offer? If they are a legitimate company, they will have rescources that will help you to re-establish yourself in the financial world. Things like the ability to help obtain a debit card even if you can't open a checking or savings account. (Yes, believe it or not, it can be done!) Can you call their credit advisors any time for advice? Is legal representation available if you have to go to court against the credit reporting agencies? ASK! If the company is letgitimate, they will have a team of lawyers that will handle these kinds of legal matters for the duration of your contract.

9: Does their contract advise you of your rights? If not, why? Because they don't know the laws! And if they don't know the laws that are designed to protect you, how can you expect them to know the complexities of the Fair Credit Reporting Act which has 340 different laws?

10: Is there a money back guarantee? In this business refunds are usually prorated. In other words, if you have 50 negative things on your reports and they can only have 30 removed, you are refunded 40% of your money since they were able to get 60% of the information removed. If there is no money back offer, run away! A company that has faith in their services will offer to refund the money if they can't do the work.

I hope this information helps people out there who are confused about credit restoration programs.

If you have any questions regarding credit issues you may contact me at

Lillie Said:

Can we possibly repair our own credit "legally"?

We Answered:

Music man is wrong. Sorry you had a bad experience. But I know people who get their credit repaired all the time.And it can be done in 6 months,. Credit counselors will actually mark your credit as in counseling and that is a big red flag to lenders. try getting a loan after you had credit counseling. not possible. You can do it yourself , but its not very easy and you'll hit allot of brick walls. Just pay up and do it. Find a company that has helped someone you know , or ask them for referrals.

I've found some good information here too...

Take care.

Gwendolyn Said:

How can I legally repair my credit?

We Answered:

Get the bills paid down and make payments on time and things will get better; but it'll be 7 years before the "bad" credit pops off the credit report

Gordon Said:

How do I legally repair my credit?

We Answered:

Hi there!

You can visit this site it might help you in your credit problem.

You can hire a credit analyst or you can fix your own credit by your self its your calling. Do what make you think would help you on your credit problem. Your Ad Here

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