Does anyone know of any good credit repair companys that dont take advantage of people. Or of how someone can get a credit report onyour self. I would appreciciate any help I can get.
Thanks
Answer:
They can do nothing YOU can not do unless laziness prohibits you becoming involved in FIXING something you messed up, your credit.
Get all three credit reports and go over each one at a time. Dispute errors, IN YOUR OWN words not some letter you find on the inernet, then go on to the next report and do the same.
You can negotiate pay to deletes in some cases with the collection agency/creditor but this must be given to you in writing before a dime is paid.
That is ALL a credit repair place can do.
Also stay away from canned letters such as those crammed down your throat on the afore mentioned site. Never use a form letter your creditors know the law all you have to do is expalin your case in your own words.
how to get a credit report ( if you are in the US)
annualcreditreport.com
Totally free, nothing to sign up for. This is the gov’t sponsored site for receiving one free report from each of the 3 major credit reporting agencies, one time per year.
And you can repair your credit yourself, with a little bit fo research and diligence. I find this website extermely useful
creditboards.com
They can do nothing YOU can not do unless laziness prohibits you becoming involved in FIXING something you messed up, your credit.
Get all three credit reports and go over each one at a time. Dispute errors, IN YOUR OWN words not some letter you find on the inernet, then go on to the next report and do the same.
You can negotiate pay to deletes in some cases with the collection agency/creditor but this must be given to you in writing before a dime is paid.
That is ALL a credit repair place can do.
Also stay away from canned letters such as those crammed down your throat on the afore mentioned site. Never use a form letter your creditors know the law all you have to do is expalin your case in your own words.