Online Credit Repair Secrets

Is Credit Repair legal? what is good and bad about it?

Public Comments

1. Avoid credit repair agencies that charge a fee to improve your FICO score by removing negative, but accurate, information from your credit reports. No one can force credit reporting agencies or lenders to remove accurate information from a credit report. Credit repair companies often take your money without delivering what they promise, or provide only temporary improvements of your score, sometimes by removing accurate information that will reappear later. Here is a link to free info from the FTC http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm#improve Building a better credit report.
2. men f*ck that ! trust me , i was a victim! the took my poor money n diddnt do sh*t!!!!! Nuf said!!
3. Yes it is legal. The confusion around this subject is because "accurate information" is only accurate if it is verified as so. You have the right to question the accuracy of anything that is on your credit. If you do question the accuracy of an item the credit bureau by law must look into and verify the information. If they are unable or unmotivated to verify the item is accurate it will be removed. Credit repair services send these letters for you repeatedly. The sheer repetition of their process is a big part of why they get results. They are like little defense attorneys filing motions on behalf of your credit. You can also do this yourself if you choose. There is more detail and a better explanation of the whole process here. http://www.credit-info-site.com/creditrepairservice.html
4. PLAYERO is right!!!!!!!! that is a big SCAM!!! now I know there is nothing they can do, that you cant do, do it yourself, waht they are going to do is charge you for the fu**d service, with that money you can pay off collections. pull out you credit report, call you creditors, try to make a payment plan and PAY, if you owe you have to pay, what do you think??? that this credit repair s**t are going to pay what you owe???? no. so save yourself, time money, energy and do it yourself, I hired this company : CALIFORNIA CREDIT SOLUTIONS ,this mother fuc***s looked so real guess what?? they dont even exist they took 1500 out of my account , and didnt do s***t for me so NO GOOD
5. It depends what you mean. For someone to offer to "fix" your credit for a price, that's illegal. its possible to clean it by removing false items if there are any and getting current on your accounts. Also, a good resource is... http://debt.123thebest.info/credit_card.html Good Luck.