Wednesday, March 11th, 2009

What is the best way to go about eliminating bad credit? Using a credit repair agency or doing it yourself?

credit repair
Randall M asked:


I know that credit repair agency’s send out letters that let the credit agency’s know that there is negative items on your report that is wrong in one way or another, but I am wondering if it is better to do it myself or not.

Thanks.

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This entry was posted on Wednesday, March 11th, 2009 at 12:00 am and is filed under Credit Repair. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

5 Responses to “What is the best way to go about eliminating bad credit? Using a credit repair agency or doing it yourself?”

sgtcjl Says:
March 11th, 2009 at 6:54 pm

Do it yourself, to many risks/costs involved with credit repair agencies.

tyman Says:
March 13th, 2009 at 11:50 pm

You can do it yourself and save yourself several hundred dollars. It is a matter of sending dispute letters to all 3 of the credit reporting agencies and having them remove the negative items. They are, by law, obligated to investigate those disputed items. Sometimes the creditor does not get around to replying and the item gets removed. After you get a few of the negative items removed, you need to start establishing some positive credit - apply for a credit card or something.

I have found a free credit repair guide to help, if you need it:
mobile-ebank.com/FreeCreditRepair.html

Jose V Says:
March 17th, 2009 at 1:25 am

Don’t pay anyone to do something you can do for free.
Go to freeannualreport.com and look at your reports yourself.

Melvin W Says:
March 19th, 2009 at 5:18 am

Doing it yourself can hurt you more than help….let a Professional do it for you ..I know a great site that deals with this sort of thing …you can email me if you like and I would be glad to past on the info to you…email me

Dan W Says:
March 20th, 2009 at 2:20 pm

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - creditreport.imess.net

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