Best Credit Repair Company Reddit

And there were some hard credit inquiries on there and I actually called to dispute the because 4 out of 9 should have fallen off 2 months ago according to my report so really if I can scrounge up 4K, pay off credit cards and the other random things in collections I am hoping that will help??!

I have a high credit card utilization. Use of this site constitutes acceptance of our User Agreement and Privacy Policy. There is no mechanism short of a lawsuit to force them to remove it even if you have it in writing. Only if you ask them as part of an agreement in paying them in full or some other agreed upon amount.

If they claim to do something you cannot do yourself, they are lying. Leonid Rogozov is a famous self surgeon left with no alternative. That's really the only way to get legitimate adverse debt items off of your report. You can do that all yourself. The only surefire way to get repair platinum vip credit items removed from your credit report is to wait until they fall off. That being said, there are some non-profit consumer credit counseling agencies that are reputable and will offer services for free.

I have a friend in the mortgage business and he's constantly referring people to a credit repair firm that fixes their problems quicker than they can do it themselves so they can get a home.

It's not supposed to. I had a friend basically lecture me for me doing my own yard work, trimming trees and such. CRedit submitted 2 years ago by wadamean.

Get an ad-free experience with special benefits, and directly support Reddit. There's no one size fits all for everyone. There are tons of resources and guides online. Want to join? Also, I've since ran into significantly more stubborn accounts on my credit report that I felt were beyond what I could make sense of and started using frscredit.

That's one aspect that isn't best credit repair company reddit of all people that need credit repair. If you have legitimate debts then you have to work with the lenders to settle them and close the accounts. Even if it is settled for less. My friend is a mortgage credit repair after bankruptcy and on a monthly basis, there's always a couple of clients that have credit issues.

And debt collectors will often accept a 'pay for delete' if you negotiate it. You should never pay for an appendectomy or to rotate your tires, and especially doing your own lawn maintenance either. Yes, there is a learning curve.

The problem is that there are a lot of "credit repair companies" out there that credit repair companies in colorado only interested in getting fees from you, not in actually repairing your credit. Let me know if you would like me to send the info to you. As a lender, my experience with credit repair companies is that they just blast out a bunch of poorly written FACTA verification letters, best credit repair company reddit, and then try to dispute what are often legitimate negative marks.

Now, I'm just waiting for Credit Karma to get the update from my bank so that I can see my more info go up again. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports.

You can spend 4 hours fixing 1 item on your credit report and still have to deal with it in read again months from now or get someone that not only knows what they're doing but also has contacts and relationships in place to fix it right. And took a look at them.

He illustrated that I can make more per hour than I would pay out doing such a task. They are required to keep records that allow them to list that negative information on your report.

They can only look for inconsistencies and things that might have been entered twice or other mistakes. If it's accurate, you can't. It is. They are required to keep records that allow them to list that negative information on your report. Either work it out with your loan company yourself, or hire an attorney. The best method is to educate yourself and do it yourself.

Join the community in our main reddit! Nothing that you can't do for free and it will most likely not do anything. If you are persistent and persuasive you absolutely that safe federal credit union repo cars can get them to consider the debt settled in full for a fraction of the debt owed.

If you need help or more information we offer a free step by step mini course that can help you educate yourself on how to go about getting better credit. Get everything in writing before you pay. However, investing 2 hours a week into lawn care visit web page a hell of a lot easier and less time consuming then trying to find a job that pays you more than they earn for 2 hours and dealing with a third party who may or may not do up your lawn the way you want it.

I'd like to recommend creditboards. You will spend a lot of time reading and learning - but in the end, it will be worth it, guaranteed! It will fall off your report after 7 years give or take. Don't make some bullshit will roundtree credit repair about how you could earn more money hiring someone to do it for you. But only to the amount of about 2K max.

Join the community in our main reddit! Lenders pay a lot of money to access credit reports and they want to see accurate information. Thank you for pointing out the fallacy of the "My hourly wage is more than the hourly wage I would pay someone else to do this task, therefore I should pay someone else to do this task.

Thanks everyone. Fixing your credit will not happen fast. Lawn care and tires, sure, but a lack of time isn't really the reason I wouldn't DIY abdominal surgery. Want to join? I paid off both cards in full CK hasn't updated yetbut I'm not sure why the score would drop over because of that You'd be surprised. Sometimes fixing your credit yourself just doesn't work, too. Remember, credit is a marathon, not a sprint. Many times the companies who are reporting on your credit report will remove themselves once the account is closed if you ask them to.

All my current accounts are up to date and current. It all comes down to what you have time for and whom you're comfortable with delegating responsibilities to. It is better to do your own repairs. If they dont take it off, you send that in to the beruos and its gone. They're lying to you. Submit a new text post. There's more to credit repair that simply disputing items on the credit report.

However, your ability to earn money is still finite. In about three months I was able read again raise my score a lil more than 60 points without spending anything more than postage costs.

Just started using them so no real results yet but they've been very easy to work with. If you post the answer here I'm sure that you'll get some advice. But, if you really are serious about having it done - best credit repair company reddit want to do it right - only you can do that.

If you really want to improve your credit score; spend some time reading and understanding how it works and what you should do to fix it. I was just illustrating that we can do anything ourselves but for some tasks, best credit repair company reddit, it's better to let someone else handle it. Just look at how your credit score works. Lenders rarely adjust prior history, but if you are behind on accounts, they'll usually work to get you back on track.

Credit consolidation and credit repair companies are horrible and almost never work for people. Log in or sign up in seconds. Well, if it's paid it'll be closed. Enjoy the Wiki? More of a "why buy a car when there is a inexpensive public transportation system" argument. All rights reserved. And this rarely works. All rights reserved. The biggest chunk of your score is payment history. Log in or sign up in seconds. No because repairing your credit is a ridiculously simple process and quite frankly common knowledge amongst the educated.

Pay for deletes are not binding on the creditor. These places do nothing that you cannot do yourself. The repair company he refers them to doesn't take payment unless it's removed from the report.

Obviously, there is going to be some earning level where it just makes sense to use a service. Sure many of us make more than a lawn care worker Even after taxes. I sighed up with Experian for my credit reports today, best credit repair company reddit. The longer and older the better.

Enjoy the Wiki? I had a few of those cuz I opened some credit cards when I was really young and stupid and didn't understand how credit cards worked. Welcome to Reddit, the front page of the internet, "best credit repair company reddit". Submit a new text post. Become a Redditor and join one of thousands of communities.

Yeah, there are legit companies out there, but they're still not doing anything that you can't do on your own. Fact is, sometimes yard work is nice escapism.

I found some great credit repair companies here but i think it all depends on your specific situation. You should never pay for credit repair. It will take time. There is no person or company that will care about it more than you or will do a better job at it then you. Well, to be fair, an appendectomy probably doesn't belong on that list. And it will be even slower if you pay a company to do it for you. Get an ad-free experience with special benefits, best credit repair company reddit, and directly support Reddit.

If you ask them after you pay them are become a credit repair specialist confirm will just laugh and tell you to take a hike most of the time. I have two dings on my credit report - from Kohls and Chase - and no amount of calling and goodwill letters and negotiation over the past year has worked.

Half of the bankruptcy clients that come into the attorney's office where I work have some kind of credit company "helping" them. But they're more of a credit coaching service, where they'll tell you what you need to do to get your credit cleared up on your own.

I think it's actually more simple than I thought I think. I used to think that credit repair was a predatory practice and that people should do it themselves but when you're either full time employed or an entrepreneur, you don't have time to deal with the minutia.

I had a couple emergencies in December that forced me to max out a card. You get a letter of settlement. In the initial consultation, they lay out all that's required, tell them can could do this themselves in most cases but usually, the client pays because of the hassle, best credit repair company reddit. For starters, in many cases they are legitimate debts and will be verified. Use of this site constitutes acceptance of our User Agreement and Privacy Policy. I understand the point about perhaps not having time to deal with minutiae, but my gut feeling is that if you are in such dire financial straits that you cannot afford to pay your creditors then you probably can't afford to pay a group of professionals to write letters and make phone calls on your behalf.

If you're looking at medical collections you might google the "whychat" method. Our personal comfort zones will dictate what we delegate. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports.

I've heard that you need to get an agreement in writing that says they will remove it from your credit once its paid.

I would actually use something like this Like in addition to sending the letters the also add fake loans and things inngood standing and paid off to boost your credit?

Thanks in advance. A Proposal Administrator can take care of negotiating a low settlement and helping you manage a flat rate debt repayment. So yeah I found it to be helpful, they got a ton of stuff removed from my report. My highest is 6. It may have had something to do with a high utilization rate, and late payments posted a few years ago. Private communication is not safe on Reddit. A friend of mine tried a credit repair service. I'll wait a few years and write a good faith letter seeing if they will stop reporting them or possible delete them from record since I no longer hold an account with them.

Yes, there is a learning curve. Create an account. A lot of these are a scam or half-assed. The best method is to educate yourself and do it yourself. Violation is an immediate and permanent ban. The longer and older the better. If you pay or settle it it's from the first date. Was looking into a credit repair company but I get so many mixed reviews when looking them up online. The credit repair industry is full of liars, cheats and charlatans, some of them just have tax ID numbers.

And it will be even slower if you pay a company to do it for you. There is no person or company that will care about it more than you or will do a better job at it then you.

If you send a payment, it restarts the clock. I was looking at Credit Best credit repair company reddit solutions and found a business who could magically get all negative items removed.

If you really want to improve your credit score; spend some time reading and understanding how it works and what you should do to fix it. Become a Redditor and join one of thousands of communities. All rights reserved. They'll make one or two calls and then disappear. Want to join? Log in or sign up in seconds. As others have said, they cannot guarantee anything. Also I disputed a late payment with Kohls and they removed that. And a credit repair agency doesn't matter when researching an account to respond to a dispute.

For reference though, I hired them after I had paid off everything that I had in collections. I was able to pre qualify for a VA loan last week. But, if you really are serious about having it done - and want to do it right - only you can do that. Not the first. The credit repair agencies use that to say "see, we're doing a good job! There are a few out there that will dispute the reporting out there in your name. I work full time and did not have the time to do all the paperwork and certified mailing myself.

For example, if the financial institution issues a Form C the forgiveness you mentionyou do not have to report the income on your tax return if: the debt was a nonbusiness debt and was canceled before as a result of Hurricane Katrina a student loan was canceled because you worked in a profession and for an employer as promised when you took out the loan the canceled debt would have been deductible if you had paid it the cancellation or write off of the debt is intended as a gift this would be unusual you discharge the debt in bankruptcy, or you were insolvent before the creditor agreed to settle or write off the debt, best credit repair company reddit.

Can you give us more data on what your "shit credit" looks like? Don't use any of these Credit Free companies because they'll just take a cut of money cash only too and point you to a Proposal Administrator anyway.

If you need help or more information we offer a free step by step mini course that can help you educate yourself on how to go about getting better credit. I vowed to fix what I could on my own then turn over any immovable objects to the pros You can do it. Very nice. How the heck is your interest that low? I'd like to hire a credit repair company to fix my credit, but I know there's a lot of BS out there.

Should I ever think about conaolidating? And have the time. I didn't pay a dollar and just took a few hours of time. I am not opposed to this. You will spend a lot of time reading and learning - but in the end, it will be worth it, guaranteed! Anyone who offers to do this stuff for you is taking you for a ride. Just look at how your credit score works. I have a full-time busy career, three kids, and I am completing a Masters program. Now pay us more! Figured I would check here. You should find that you can do this stuff yourself if you have a little time and do a bit of research.

I disputed my student loan that was in collections but settled and paid off. The late payments I'll live with. Hello All, Currently I have a amusing credit repair tricks of the trade assured loan debt worth 31K that's in collections right now.

I'd like to recommend creditboards. Came to say this. A few did come back later on but that is to be expected. Fixing your credit will not happen fast. Edit: my current score via credit karma which I know isnt the most accurate is I have a couple low limit cards that I pay on time as well as a car payment. Let me know if you would like me to send the info to you.

The biggest chunk of your score is payment history. Want to join? Be careful with those best credit repair company reddit, but I can recommend using one with a good reputation to dispute the reports. I was surprised that it went up that much. Log in or sign up in seconds. My credit score jumped from to over in a course of a year.

I unfortunately don't have the time to do so and don't mind at all https://creditrepair.moe/credit-repair-course.html to have it done for me. Good luck! Use of this site constitutes acceptance of our User Agreement and Privacy Policy. In your case, I don't think you can do this with student loans.

You can dispute your own credit for free. I personally could recommend a couple of good companies that would do just this and don't sell your information.

I can cut my own grass but I pay someone else to. My dads friend was in heavy debt and he used a service like this, but i don't recall the name as this union repo federal credit cars safe years ago but i believe they pay off the debt, or rather they settle on a lesser price and then you pay that to them? I honestly think that they might even be the same company since the backend for them looks alike and some predefined emails are a near match.

Post a comment! I had a ton of negatives and they were able to get about 35 removed from the 3 bureaus. No asking for DMs or emails.

Aren't there some companies that are dodgy and do certain things that are not so legai? Get an ad-free experience with special benefits, and directly support Reddit. They completely removed it. Writing a few letters is really not that hard, and you will do a far better job in your own interest then another company will do for you. This is entirely correct but I also want to add that some people prefer to not worry about this stuff.

He later went to a bank for a loan. All rights reserved. The clock restarts every payment. Just have shit credit from poor decisions when I was younger. My debt to credit ratio flip flopped. Keep reading, there are plenty of good guides on how to do it yourself here. Just always remember that they are doing something you could have done yourself by reading the myfico forums and doing some googling.

And gave no idea where to start!! Welcome to Reddit, the front page of the internet. Are there medical defaults, collections, charge offs, late payments and the like? I use CreditKarma and Experian to check my credit score, and it recently dropped from Excellent to Poor within a few months. They were able to get a lot of things deleted from my credit report. On that note, I have used 2 services that I can recommend. Start a Discussion in PF. Just be sure to get it in writing and then may sure that they delete it from your credit reports.

If you're going to try to settle with the lender then instead of letting them report it as "Paid for an amount less than total" or "Settled for less than total amount", tell them that you might be able to come up with a lump sum if they will do a "pay for delete".

Care to share your process? My credit has gone up points in the last few months by just simply disputing items in my credit through the credit bureaus. Want to add to the discussion? This sub-reddit is for sharing information directly in the community. I'm concerned my disputing hasn't gotten anywhere with my loan companies from late payments from repair alex miller credit long ago so idk.

The truth is, no matter what they promise, it's not up to them, so results are often not what they promise. They told him it would have been better off had be not used the service. I took that into consideration with my loans. As someone who responds to credit disputes, I personally think credit repair agencies are a scam.

Use of this site constitutes acceptance of our User Agreement and Privacy Policy. The husband and I both have been successful with our own removals. And you will pay again the following month for the same work. That is also something you can do yourself best credit repair company reddit a little research on how to approach the situation. To me, that sounds like an over promise. I really don't remember the specifics but it helped him get his life in order again.

I was wondering if anyone has experience with a solid provider I can reach out to that I could trust and can actually get stuff done instead of waste time. For the price I preferred creditrepair. As far as those who will work with your creditors to reduce and consolidate your debt, those can sometimes do more harm than good. Best Credit Repair Company?

None will do anything you can't do for free. No Self-promotion - No self promotion of your services, best credit repair company reddit, products, videos, etc. It's easier to get stuff removed if it is paid already, then the company really has no stake in keeping an old, paid collection on your report.

Go to www. Lexington felt like more of an automated dispute mill, which is fine in some cases, but based on what you mentioned above Sky Blue might be better.

However, investing 2 hours a week into lawn care is a hell of a lot easier and less time consuming then trying to find a job that pays you more than they earn for best credit repair company reddit hours and dealing with a third party who may or may not do up your lawn the way you want it.

It all comes down to what you have time for and whom you're comfortable with delegating responsibilities to. And debt collectors will often accept a 'pay for delete' if you negotiate it. Student loans are a little trickier but you can always get it reduced if you insist you'll never be able to pay it in full and want a lower settle amount. I use sky blue they are cheaper than competitors. Do it yourself. I waited 7 years and my credit went up points, not applicable to student loans, but still awesome to see it works.

I mean the irony here is that I found Blue Sky through this subreddit on a very similar thread. I figured Blue Sky was cheap enough to try so why not? I have a friend in the mortgage business and he's constantly referring people to a credit repair firm that fixes their problems quicker than they can do it themselves so they can get a home. Just started using them so no real results yet but they've been very easy to work with.

Much better to call the loan holders yourself and negotiate a lower payment. Negotiate from there. Go read Don't feed an industry that preys on the uninformed, you can fix it all yourself. If I had the time, I would. If it's paid off, request that it be removed as a courtesy - many do it without more than a 30 second email just to make sure you don't bother them any more.

I used to think that credit repair was a predatory practice and that people should do it themselves but when you're either full time employed or an entrepreneur, you don't have time to deal with the minutia.

Become a Redditor and join one of thousands of communities. Also credit is not a speed thing. Im not positive just click for source applies to OP, but if he has 30k in defaulted student loans there is a pretty good chance he is insolvent. Look at your collection companies on your credit report, go to their websites and get their contact information.

They also ask you to sign up to receive an updated more accurate than Credit Karma credit report every month. My friend is a mortgage lender and on a monthly basis, there's always a couple of clients that have credit issues. Our personal comfort zones will dictate what we delegate, best credit repair company reddit. Join the community in our main reddit! I would also take a look at our Collections Wiki for more info with dealing with your collections. Obviously, there is going to be some earning level where it just makes sense to use a service.

In about three months I was able to raise my score a lil more than 60 points without spending anything more than postage costs. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports.

Fact is, sometimes yard work is nice escapism. I agree. They will take a lot longer than if you did it on your own. If you have outstanding collections, contact requesting validation. The problem is that there are a lot of "credit repair companies" out there that are only interested best credit repair company reddit getting fees from you, not in actually repairing your credit.

Sometimes fixing your credit yourself just doesn't work, too. Remember, credit is a marathon, not a sprint. I was just illustrating that we can do anything ourselves but for some tasks, it's better to let someone else handle it. You can spend 4 hours fixing more info item on your credit report and still have to deal with it in 2 months from now or get someone that not only knows what they're doing but also has contacts and relationships in place to fix it right.

First its 10k then Its 5k then suddenly some fees they totally told you about. I had a friend basically lecture me for me doing my own yard work, trimming trees and such. Don't make some bullshit argument about how you could earn more money hiring someone to do it for you. If you decide to go for the 10k settlement, get it in writing. All of this should only take you an hour or two MAX and should get you on the track of recovering your credit.

That's one aspect that isn't inclusive of all people that need credit repair. I've disputed it every year but It's about to come off my report anyways. Yeah, there are legit companies out there, but they're still not doing anything that you can't do on your own.

Whats the likelihood that visit web page business could really do that? The day it goes on your credit report I think? Best credit repair company reddit will take time. It is very common to lead people down a never ending trail continue reading paying money to the repair service. They seemed to attack things from more unique angles and focused more on strengthening your overall credit profile as a whole rather than just disputing negatives.

Submit a new text post. Same but I figured people may have doubted that I was a real person lol sounded a little like an ad there, but just being honest and answering OP's question. If you post the answer here I'm sure that you'll get some advice. They are required credit repair keep records that allow them to list that negative information on your report.

No matter who you choose, just make sure you understand their limitations. All they did was send out letters on my behalf and the credit accounts I had would mail me back saying a third party is trying to crash my credit report. I have two dings on my credit report - from Kohls and Chase - and no amount of calling and goodwill letters and negotiation over the past year has worked.

CRedit submitted 2 years ago by wadamean. Why did your credit score so quickly? There are several reporting exceptions stated in best credit repair company reddit Internal Revenue Code.

I had a bank account I over drafted and never paid back when I was like 18 and the bank just wrote it off. Lawn care and tires, sure, but a lack of time isn't really the reason I wouldn't DIY abdominal surgery. It is quite amazing. More of a "why buy a car when there is a inexpensive public transportation system" argument. Sky Blue was really good. Credit repair takes time. However, your ability to earn money is still finite. Well, to be fair, an appendectomy probably doesn't belong on that list.

Get everything in writing before you pay. Get an ad-free experience with special benefits, and directly support Reddit. I credit repair act my research like everyone here suggests and plugged away at it for a good year or so and was no longer making sizeable progress. You should never pay for an appendectomy or to rotate your tires, and especially doing your own lawn maintenance either. Again, you can do this stuff yourself but it's tedious.

For example, if the financial institution issues a Form C the forgiveness you mentionyou do not have to report the income on your tax return if:, best credit repair company reddit. I'd rather pay a professional to take care of the 'late payments' showing up. But they're more of a credit coaching service, where they'll tell you what you need to do to get your credit cleared up on your own.

As a lender, my experience with credit repair companies is that they just blast out a bunch of poorly written FACTA verification letters, and then try to dispute what are often legitimate negative marks. It was probably a predatory private loan that was marketed as a student loan. I understand the point about perhaps not having time to deal with minutiae, but my gut feeling is that if you are in such 609 repair letter free financial straits that you cannot afford to pay your creditors then you probably can't afford to pay a group veterans repair professionals to write letters and make phone calls on your behalf.

If you can answer that question you should be able to repair it yourself. I think I used their services for a total of 3 or 4 months before it looked like progress wasn't being made and I stopped. Cancelling is very easy too. If you don't really have negative marks, there's nothing a credit repair company best credit repair lawyers really do. They were able to clean up my report and remove several items I wasn't getting any luck on myself.

If it's validated, then contact them again with a settlement amount all at once or payment plan with an agreed on pay for delete. Sounds too good to be true. He illustrated that I can make more per hour than I would pay out doing such a task. Leonid Rogozov is a famous self surgeon repair canada credit with no alternative.

Thank you for pointing out the fallacy of the "My hourly wage is more than the hourly wage I would pay someone else to do this task, therefore I should pay someone else to do this task. I finally gave up and am doing it the old fashioned way and waiting my 7 years for it to fall off. And it's free. In the initial consultation, they lay out all that's required, tell them can could do this themselves in most cases but usually, the client pays because of the hassle.

Welcome to Reddit, the front page of the best credit repair company reddit. Enjoy the Wiki? Which one would best best and perhaps best bang for your buck and fastest? I tried both several years ago, so bear in mind things may have changed, but I was happier with Sky Blue over Lex. Federal student loan debt and private student loan debt are totally different and OP didn't specify which he has. Credit repair services are really not much more different than doing your own repairs, "best credit repair company reddit".

Those things are tantamount to getting a credit card and maxing it out day 1. You can do that all yourself. And this rarely works, best credit repair company reddit.

My score went up over points after they helped me get rid of some collections accounts. But now people are down voting it? Just don't do it. No because repairing your credit is a ridiculously simple process and quite frankly common knowledge amongst the educated. Want to add to the discussion? Sure many of us make more than a lawn care worker Even after taxes.

For me, it was worth it. Does anyone have any experience with a credit repair service? Create an account. Also, I've since ran into significantly more stubborn accounts on my credit report that I felt were beyond what I could make sense of and started using frscredit. You should never pay for credit repair. Many times the companies who are reporting on your credit report will remove themselves once the account is closed if you ask them to.

That being said, there are some non-profit consumer credit counseling agencies that are reputable and will offer services for free. But you can build your credit very easy. Also a good bit of student loan debt is deductable, so in any case the amount forgiven would not be an exact reflection of its taxable value.

Post a comment! Don't waiver on the pay for delete, and get it in writing. Not sure why you got down voted. Only if you ask them as part of an agreement in paying them in full or some other agreed upon amount.

Little bit of time and effort will pay off in the long term. Always get the new terms in writing before you pay and do not ever give them direct bank access which they will ask for.

If you ask them after you pay them they will just laugh and tell you to take a hike most of the time. The repair company he refers them to doesn't take payment unless it's removed from the report. I was advised the more letters sent each month, the worse best credit repair company reddit looks to the bureau.

Lenders rarely adjust prior history, but if you are behind on accounts, they'll usually work to get you back on track.

They also ask you to sign up to receive an updated more accurate than Credit Karma credit report every month.

My friend is a mortgage lender and on a monthly basis, best credit repair company reddit, there's always a couple of clients that have credit issues. You are paying for the convenience of having someone else send the letters, keep track of them, and follow up. They seemed to attack things from more unique angles and focused more on strengthening your overall credit profile as a whole rather than just disputing negatives.

I mean the irony here is that I found Blue Sky through this subreddit on a very similar thread. You get a letter of settlement. I tried both several years ago, so bear in mind things may have changed, but I was happier with Sky Blue over Lex.

For me, it was worth it. Even if it is settled for less. You should never pay for credit repair, best credit repair company reddit. I have not used sky blue so I can't speak on them. I honestly think that they might even be the same company since the backend for them looks alike and some predefined emails are a near match.

The credit repair industry is full of liars, cheats and charlatans, some of them just have tax ID numbers. If it's accurate, you can't. Only if you ask them as part of an agreement in paying them in full or some other agreed upon amount. No matter who you choose, just make sure you understand their limitations. More of a "why buy a car when there is a inexpensive public transportation system" argument.

Thank you for your input and honestly wanting legit reviews since most of the times now it's fake those on their websites. The husband and I both have been successful with our own removals, best credit repair company reddit. Same but I figured people may have doubted that I was a real person lol sounded a little like an ad there, but just being honest and answering OP's question.

The longer and older the better. Half of the bankruptcy clients that come into the attorney's office where I work have some kind of credit company "helping" them. It will fall off your report after 7 years give or take.

I had a few of those cuz I opened some credit cards when I was really young and stupid and didn't understand how credit cards worked. I unfortunately don't have the time to do so and don't mind at all paying to have it done for me. Remember, credit is a marathon, not a sprint. The problem is that there are a lot of "credit repair companies" out there that are only interested in getting fees from you, not in actually repairing your credit.

The biggest chunk of your score is payment history. My score went up over points after they helped me get rid of some collections accounts. Do it yourself. Thank you for pointing out the fallacy of the "My hourly wage is more than the hourly wage I would pay someone else to do this task, therefore I should pay someone else to do this task. I used to think that credit credit repair charlotte was a predatory practice and that people should do it themselves but when best credit repair company reddit either full time employed or an entrepreneur, you don't have time to deal with the minutia, best credit repair company reddit.

Writing a few letters is really not that hard, and you will do a far better job in your own interest then another company will do for you. Sky Blue was really good. I was looking at creditrepair. SkyBlue swears they are the fastest in the business supposedly 15 items a month but from what you said no where near half. Just started using them so no real results yet but they've been very easy to work with.

If you are persistent and persuasive you absolutely can get them to consider the debt settled in full for a fraction of the debt owed. Sometimes fixing your credit yourself just doesn't work, too.

Our personal comfort zones will dictate what we delegate. It is better to do your own repairs. I have a full-time busy career, three kids, and I am completing a Masters program.

This is how many letters they will send out each month. The repair company he refers them to doesn't take payment unless it's removed from the report. But you can build your credit very easy. Yet again you did climb substantial points though. Again, you can do this stuff yourself but it's tedious.

Fact is, sometimes yard work is nice escapism. Thanks for the info -- greatly appreciated. Now pay us more! It will take time. If you ask them after you pay them they will just laugh and tell you to take a hike most of the time.

Get everything in writing before you pay. Well, to be fair, an appendectomy probably doesn't belong on that list. I've heard that you need to get an agreement in writing that says they will remove it from your credit once its paid. Many times the companies who are reporting on your credit report will remove themselves once the account is closed if you ask them visit web page. Either work it out with your loan company yourself, or hire an attorney.

Lenders rarely adjust prior history, but if you are behind on accounts, they'll usually work to get you back on track. And you will pay again the following month for the same work. Nothing that you can't do for free and it will most likely not do anything. But they're more of a credit coaching service, where they'll tell you what you need to do to get your credit cleared up on your own. If you expect them to use magic powers or something you will be mistaken.

Lenders pay a lot of money to access credit reports and they want to see accurate information. But now people are down voting it? I use sky blue they are cheaper than competitors. Sure many of us make more than a lawn care worker Even after taxes. Yeah, there are legit companies out there, but they're still not doing anything that you can't do on your own. As a lender, my experience with credit repair companies is that they just blast out a bunch of poorly written FACTA verification letters, and then try to dispute what are often legitimate negative marks.

If you don't really have negative marks, there's nothing a credit repair company can really do. It is. They can only look for inconsistencies and things that might have been entered twice or other mistakes. It all comes down to what you have time for and whom you're comfortable with delegating responsibilities to.

I figured Blue Sky was cheap enough to try so why not? I had a friend basically lecture me for me doing my own yard work, trimming trees and such.

Cancelling is very easy too. Pay for deletes are not binding on the creditor. It's not supposed to. He illustrated that I can make more per hour than I would pay out doing such a task. That's one aspect that isn't inclusive of all people that need credit repair. For starters, in many cases they are legitimate debts and will be verified. Not sure why you got down voted. Lawn care and tires, sure, but a lack of time isn't really the reason I wouldn't DIY abdominal surgery.

I did my research like everyone here suggests and plugged away at it for a good year or so and was no longer making sizeable progress. That being said, there are some non-profit consumer credit counseling agencies that are reputable and will offer services for free. I have a friend in the mortgage business and he's constantly referring people to a credit repair firm that fixes their problems quicker than they can do it themselves so they can get a home.

No because repairing your credit is a ridiculously simple process and quite frankly common knowledge amongst the educated. That's really the only way to get legitimate adverse debt items off of your report. And it will be even slower if you pay a company to do it for you.

Leonid Rogozov is a famous self surgeon left with no alternative. Fixing your credit will not happen fast. And this rarely works. Well, if it's paid it'll be closed. A few did come back later on but that is to be expected. Just always remember that they are doing something you could have done yourself by reading the myfico forums and doing some googling. They're lying to you. I think I used their services for a total of 3 or 4 months before it looked like progress wasn't being made and I stopped.

Also, I've since ran into significantly more stubborn accounts on my credit report that I felt were beyond what I could make sense of and started using frscredit. In the initial consultation, they lay out all that's required, tell them can could do this themselves in most cases but usually, the client pays because of the hassle. You can do that all yourself. Anyone who offers to do this stuff for you is taking you for a ride.

If you have legitimate debts then you have to work with the lenders to settle them and close the accounts. Lexington felt like more of an automated dispute mill, which is fine in some cases, but based on what you mentioned above Sky Blue might be better. These places do nothing that you cannot do yourself. Just look at how your credit score works. I had a ton of negatives and they were able to get about 35 removed from the 3 bureaus.

You can spend 4 hours fixing 1 item on your credit report and still have to deal with it in best credit repair company reddit months from now or get someone that not only knows what they're doing but also has contacts and relationships in place to fix it right.

I was just illustrating that we can do anything ourselves but for some tasks, it's better to let someone else handle it. SBCR has a 90 day money back guarantee and is cheaper than CR, any advice on whether one is better than the other? There's more to credit repair that simply disputing items on the credit report. The credit repair agencies use that to say "see, we're doing a good job! Credit consolidation and credit repair companies are horrible and almost never work for people.

And debt collectors will often accept a 'pay for delete' if you negotiate it. However, your ability to earn money is still finite. The only surefire way to get negative items removed from your credit report is to wait until they fall off.

There is no mechanism short of a lawsuit to force them to remove it even if you have it in writing. Don't make some bullshit argument about how you could earn more money hiring someone to do it for you. I have two dings on my credit report - from Kohls and Chase - and no amount of calling and goodwill letters and negotiation over the past year has worked.

In about three months I was able to raise my score a lil more than 60 points without spending anything more than postage costs. For the price I preferred creditrepair.

Obviously, there is going to be some earning level where it just makes sense to use a service, best credit repair company reddit. However, investing 2 hours a week into lawn care is a hell of a lot easier and less time consuming then trying to find a job that pays you more than they earn for 2 hours and dealing with a third party who may or may not do up your lawn the way you want it.

I waited 7 years and my credit went up points, not applicable to student loans, but still awesome visit web page see it works. If they dont take it off, you send that in to the beruos and its gone.

You should never pay for an appendectomy or to rotate your tires, and especially doing your own lawn maintenance either. If they claim to do something you cannot do yourself, they are lying. I was advised the more letters sent each month, the worse it looks to the bureau.

I understand the point about perhaps not having time to deal with minutiae, but my gut feeling is that if you are in such dire financial straits that you cannot afford to best credit repair company reddit your creditors then you probably can't afford to pay a group of professionals to write letters and make phone calls on your behalf, best credit repair company reddit.

One thing to make sure to ask is how many interactions they take each month. They will do what you can do on your own for free. They were able to clean up my report and remove several items I wasn't getting any luck on myself.

But only to the amount of about 2K max.

It is better to do your own repairs. And took a look at them. The only surefire way to get negative items removed from your credit report is to wait until they fall off. I sighed up with Experian for my credit reports today. Half of the bankruptcy clients that come into the attorney's office where I work have some kind of credit company "helping" them. If you expect them to use magic powers or something you will be mistaken. Ask for credit repair programs Nelnet allowed me to make on time payments for a certain period and then they got rid of my bad credit marks.

I used a company called Lexington Law Firm pretty big for about 3 months simply to keep up with generating all of the letters and putting some muscle behind the letters. In about three months I was able to raise my score a lil more than 60 points without spending anything more than postage costs. All my current accounts are up to date and current.

I'd rather pay a professional to take care of the 'late payments' showing up. The repair company he refers them to doesn't take payment unless it's removed from the report.

Yes, there is a learning curve. They can only look for inconsistencies and things that might have been entered twice or other mistakes. Nothing that you can't do for free and it will most likely not do anything. Sky Blue was really good. I did rhis when I bought my first house. It will take time. Yet again you did climb substantial points though. I was advised the more letters sent each month, the worse it looks to the bureau.

They seemed to attack things from more unique angles and focused more on strengthening your overall credit profile as a whole law credit lexington repair firm than just disputing negatives. It breaks my heart and I do it for free. One thing to make sure to ask is how many interactions they take each month.

There are tons of resources and guides online. You are paying for the convenience of having someone else send the letters, keep track of them, and follow up. If you're looking at medical collections you might google the "whychat" method. There's more to credit repair that simply disputing items on the credit report. Yeah, there are legit companies out there, but they're still not doing anything that you can't do on your own.

SBCR has a 90 day money back guarantee and is cheaper than CR, any advice on whether one is better than the other? My friend is a mortgage lender and on a monthly basis, there's always a couple of clients that have credit issues.

Knowledge should never be hidden nothing but love. You get a letter of settlement. A few did come back later on but that is to be expected. Credit consolidation and credit repair companies are horrible and almost never work for people. Credit repair services exist to make money, they make their money off their clients AKA you.

As far as student loan companies I have found them to be very willing to work with you. I just chose to pay for someone else to do the work.

When you do this get it in writing they are settling and that they will REMOVE it from your score - not marked it as paid. Lexington felt like more of an automated dispute mill, which is fine in some cases, best credit repair company reddit, but based on what you mentioned above Sky Blue might be better. So if you are paying them to repair your credit you are spending money that could otherwise be used for paying off your debts.

It is. It's best credit repair company reddit supposed to. If the smallest one is found they usually have to take it down. For starters, in many cases they are legitimate debts and will be verified. They estimated 3 months and honestly after they started disputing things the biggest change I noticed was getting letters that there was fraud locks being placed on all 3 of the credit bureaus.

The problem is that there are a lot of "credit repair companies" out there that are only interested in getting fees from you, not in actually repairing your credit. I hope people listen to you. I'd like to recommend creditboards.

The credit repair industry is full of liars, cheats and charlatans, some of them just have tax ID numbers. If you are persistent and persuasive you absolutely can get them to consider the debt settled in full for a fraction of the debt owed. Don't make some bullshit argument about how you could earn more money hiring someone to do it for you. You will spend a lot of time reading and learning - but in the end, it will be worth it, guaranteed!

That's really the only way to get legitimate adverse debt items off of your report. Pay for deletes are not binding on the creditor. You can do both yourself. Score went from to within a month. Thanks everyone. Thank you for pointing out the fallacy of the "My hourly wage is more than the hourly wage I would pay someone else to do this task, therefore I should pay someone else to do this task.

I had a few of those cuz I opened some credit cards when I was really young and stupid and didn't understand how credit cards worked. Lenders pay a lot of money to access credit reports and they want to see accurate information. I had skyblue for a couple months and they moved really slow I had like two things removed. Additionally if they don't respond in a certain amount of time you can have it removed from your score.

They had a nice website to see all of the letters that had been generated and I could choose which items for them to focus on and change them at any time. If I had the time, I would. You can typically call and settle with them for a fraction of the cost. SkyBlue swears they are the fastest in the business supposedly 15 items a month but from what you said no where near half. Sometimes fixing your credit yourself just doesn't work, too.

I have successfully navigated credit disputes before that but having someone else stay on top of it was nice. Basically: If its not worth your time, it might be worth your money. I tried both several years ago, so bear in mind things may have changed, but I was happier with Sky Blue over Lex. Also, I've since ran into significantly more stubborn accounts on my credit report that I felt were beyond what I could make sense of and started using frscredit.

Thanks for the info -- greatly appreciated. Send the company collecting a ton of requests asking for documentation, claiming there is an error.

Do it yourself. The credit repair agencies use that to say "see, we're doing a good job! And time warner cable decided to remove my auto pay one day without telling me. I was looking at creditrepair. Well, if it's paid it'll be closed.

Anyone who offers to do this stuff for you is taking you for a ride. Takes about 30 minutes a day for a few weeks. If you have legitimate debts then you have to work with the lenders to settle them and close the accounts. I have not used sky blue so I can't speak on them. But, if you really are serious about having it done - and want to do it right - only you can do that. I have a full-time busy career, three kids, and I am completing a Masters program.

There is no person or company that will care about it more than you or will do a better job at it then you. I unfortunately don't have the time to do so and don't mind at all paying to have it done for me. If it's accurate, you can't. If they dont take it off, you send that in to the beruos and its gone. But you can build your credit very easy. Thank you for your input and honestly wanting legit reviews since most of the times now it's fake those on their websites.

I understand the point about perhaps not having time to deal with minutiae, but my gut feeling is that if you are in such dire financial straits that you cannot afford to pay your creditors then you probably can't afford to pay a group of professionals to write letters and make phone calls on your behalf. I've heard that you need to get an agreement in writing that says they will remove it from your credit once its paid.

But they're more of a credit coaching service, where they'll tell you what you need to do to get your credit cleared up on your own. If they claim to do something you cannot do yourself, they are lying. That's one aspect that isn't inclusive of all people that need credit repair. Even if it is settled for less.

Either work it out with your loan company yourself, or hire an attorney. And debt collectors will often accept a 'pay for delete' if you negotiate it. They will do what you can do on your own for free. They're lying to you. It will fall off your report after 7 years give or take. I have two dings on my credit report - from Kohls car repair credit card for bad credit are Chase - and no amount of calling and goodwill letters and negotiation over the past year has worked.

As a lender, my experience with credit repair companies is that they just blast out a bunch of poorly written FACTA verification letters, best credit repair company reddit, and then try to dispute what are often legitimate negative marks. I have a high credit card utilization. These places do nothing that you cannot do yourself.

I also learned a lot and now I help my friends fix their credit because when you see them cry in desperation. Many other people have said it though, if it sounds too good to be true it probably is. The husband and I both have been successful with our own removals. And you will pay again the following month for the same work. And there were some hard credit inquiries on there and I actually called to dispute the because 4 out of 9 should have fallen off 2 months ago according to my report so really if I can scrounge up 4K, pay off credit cards and the other random things in collections I am hoping that will help??!

Just always remember that they are doing something you could have done yourself by reading the myfico forums and doing some googling. Just keep good notes and records. Remember, credit is a marathon, not a sprint. Do it yourself. Lenders rarely adjust prior history, but if you are behind on accounts, they'll usually work to get you back on track. Which is all that a credit repair service is going to do. Again, you can do this stuff yourself but it's tedious. Writing a few letters is really not that hard, and you will do a far better job in your own interest then another company will do for you.

There is a huge difference. Credit repair isn't magic and it takes hard work. That being said, there are some non-profit consumer credit counseling agencies that are reputable and will offer services for free.

In the initial consultation, they lay out all that's required, tell them can could do this themselves in most cases but usually, the client pays because of the hassle. Just started using them so no real results yet but they've been very easy to work with, best credit repair company reddit. Get everything in writing before you pay. And this rarely works. I think it's actually more simple than I thought I think. This is how many letters they will send out https://creditrepair.moe/credit-repair-financial.html month.

There is no mechanism short of a lawsuit to force them to remove it even if you have it in writing.

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