Online Credit Repair Secrets

They fixed my credit for $600!!?

I had 9 collection accounts,now deleted and late payments on 2 credit cards that are also deleted. The credit repair agency said that it is perfectly legal??? Is it legal? What do you think? How did they do it? I even got letters from the credit bureaus stating that the items are deleted... LOL no i dont its a credit repair agency. YOURRE NOT UNDERSTANDING the debts are valid! Accurate information! And no most are fairly new and i never paid them a dime! Mister Mister : The credit repair guy said that it is completely legal ...and he has been doing this for 10 years and as had no complaints! He even removes all your inquiries!

Public Comments

1. I dunno..but I would like the same service:)
2. Do you have family in the elite?
3. I think that it is legal because if you read the FCRA you'll notice that there are about 300 laws of the FCRA and you can manipulate the laws to work for you. It is illegal for anyone to report delinquencies on your credit report ..most people dont know this!
4. It can be done legally and you can do it yourself for free. You just need to spend the time and effort doing the research and getting to know your rights. There are many violations that can occur in the way an item is reported. If you dispute an item the reporting agency must verify - if it is a collection agency on a paid debt they often won't waste their time.... no response from them = delete for you. EDIT: No one is saying the debts weren't valid that were removed what we are saying is that the tradeline was reporting something inaccurate in their information. It can be as small as the date opened, or a CA reporting as a factoring company - if it is disputed and they can't verify timely they MUST delete the entry. However, as another poster said this does not mean they can't re-insert the item with corrected information at a later date.
5. The thing with having valid debts removed is that they may come back at a later time. These credit "repair" agencies who tout that they can remove valid derogatory information aren't legal. They use tactics that are either illegal, or only quick fixes. Those same debts that were removed might be re-added to your account later. Per the Federal Trade Commission no credit repair company or consumer has the right to remove accurate, current information from the credit report. If the accounts stay off, then that's great. But you may have paid $600 for a temporary fix.
6. The only things that you can remove from your credit report are inaccuracies. If something is not right, you have the right to challenge it by writing to that credit bureau that reported it and say the item is inaccurately reported. The Federal Fair Credit Reporting Act gives them 30 days to fix the item or remove the entry.
7. You asked about this 2 weeks ago....how your friend knew this guy who could take off info for $100 per item, and asking if you thought it was legal then. All of the answers said that it IS NOT legal, and that you will more than likely have the items re-appear on your report in a short period of time. So basically, you got screwed for $600, attempted to manipulate the system, and had someone represent themselves as you or your agent, in falsifying accurate information on your credit profile. So why ask the same questions again....as if you're boasting about it here? You will be back in a month asking "WHY DID THEY ADD MY DELETED ITEMS BACK ON MY REPORT".
8. Thats great but the creditor can readd the collection account to your report. When the creditor sends an updated report to the burearu it just might return. I see this happen all the time when people use these credit repair places.
9. It is perfectly legal. The Fair Credit Reporting Act lists over 300 laws that are the arsenal of credit repair companies. In the course of researching this for myself, I learned that not only are credit repair companies legal but they are necessary. Since there is no government agency that oversees the credit bureaus and makes sure they obey the laws, we need the credit repair companies to keep the bureaus in check. While I used another company and it cost a bit more, I am very happy with the service they provided me. The thing I like most about them, though, is that they stay with you for a total of 18 months. That way, if the information does somehow return to your reports (which, btw, is illegal for the credit bureaus to allow) they are still with you to make sure the information is removed again, and they don't charge a penny more. But what it comes down to in the case of the company you are using is this: they were able to find a way to make the reported information violate the FCRA. Legally, since they went this route and not the standard dispute route, the information they have removed cannot be put back on your report again. Legally. As we all know, the credit bureaus believe they are above the law, so they are going to do what they want. I am glad you found a company that does good work for you.