Online Credit Repair Secrets

Does anyone know of a real credit repair company with proven results?

Public Comments

1. Lexington law is pretty legitimate, but the truth is you can do everything they do yourself. The credit bureaus let you dispute things online now. That's how I fixed my credit AND saved money.
2. I've never dealt with a credit repair company but I did go from a 540 to a 690 in 9 months. Here's a couple of tips: -pay all your bills on time every time. even if you have to eat ramen noodles -consolidate your debt if you have multiple credit cards, that way you have more available cash to pay those bills on time and your credit report shows you paid those cards off -keep one credit card and only use it for buying tickets, renting a car, etc. not to just buy something and pay for it later. One thing to note, consider the cost of money (interest rate) just like a rate of return on an investment, only its money you're keeping, not making. (Somebody else is making 19.99% on your recent mall shopping spree and you made 9% last year in your 401k)
3. Yourself... You can do it I did with proven results.I went to a FREE web site www.fixmyuglycredit.com.I followed there step by step instructions and in a year in a half I went from a FICO score of 500ish to 746.Believe me though It took time ,patience and consistency it did not happen over night.either did runing your credit so give that web site a look it cant hurt you and you just might learn something new..Good luck
4. There are no good credit repair/consolidation/couseling companies. They all take your money and trash your credit. Fix your credit yourself. Make a strict budget. Squeeze every penny you can out of that budget and put it on the highest interest rate debt, while paying minimum on the rest. When the highest rate is paid off, go to the next till they are all paid. It will take 2 or 3 years. But your debt will be gone and you'll have a good payment history.
5. no such thing as credit repair, companies claiming to do that are scamming.
6. A credit bureau will not remove accurate negative information from your credit report before the legal time period has expired. Therefore, do not believe anyone who claims they can get negative information removed from your credit report faster than is legally required. There are no "loopholes" or laws that credit repair companies can use to get correct information off your credit report. No credit repair company can do anything you can't do for yourself. It is impossible for a third party to make changes in your file if the facts have been correctly reported. There are individuals and companies that claim they can fix a bad credit file. This is not the case. If a file includes accurate, yet negative information about your credit history, this information cannot be changed. Information will only be changed when your file contains an inaccuracy. The only way to rectify a poor credit rating is to adopt sound credit practices for a period of time.