Best Credit Repair Company Reddit

No asking for DMs or emails. No matter who you choose, just make sure you understand their limitations. Also I disputed a late payment with Kohls and they removed that. Private communication is not safe on Reddit.

If you pay or settle it it's from the first date. I took that into consideration with my loans. Want to add to the discussion? Get an ad-free experience with special benefits, and directly support Reddit. Why would you do this? 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. There is nothing a credit repair company can do that you can't do for cheaper and quicker.

All my current accounts are up to date and current. Enjoy the Wiki? Become a Redditor and join one of thousands of communities. This sub-reddit is for sharing information directly in the community. Sky Blue was really good. In about three months I was able to raise my score a lil more than 60 points without spending anything more than postage costs. A few did come back later on but that is to be expected. 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.

Should I ever think about conaolidating? If you don't really have negative marks, there's nothing a credit repair company can really do. They also ask you to sign up to receive an updated more accurate than Credit Karma credit report every month. He later went to a bank for a loan.

Not sure why you got down voted. No Self-promotion - No self promotion of your services, products, videos, etc. I figured Blue Sky was cheap enough to try so why not? Log in or sign up in seconds. I can cut my own grass but I pay someone else to. I'd like to hire a credit repair company to fix my credit, but I know there's a lot of BS out there.

Which one would best best and perhaps best bang for your buck and fastest? My score went up over points after they helped me get rid of some collections accounts. 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?

For reference though, I hired them after I had paid off everything that I had in collections. Also be prepared for a TON of mail. One way a credit repair company can take off bankruptcies is by: Requesting the bankruptcy file from federal court. 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.

Very nice. I was surprised that it went up that much. Create an account. It may have had something to do with a high utilization rate, and late payments posted a few years ago. Don't do it. Hello All, Currently I have a student loan debt worth 31K that's in collections right now. Care to share your process? 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.

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. Aren't there some companies that are dodgy and do certain things that are not so legai? My credit score jumped from to over in a course of a year. As someone who responds to credit disputes, I personally think credit repair agencies are a scam. Remember, credit is a marathon, not a sprint. It will take time. A lot are rip offs. All rights reserved.

Cancelling is very easy too. But you can build your credit very easy. My debt to credit ratio flip flopped. The clock restarts every payment. Not the first. Go read Don't feed an industry that preys on the uninformed, you can fix it all yourself.

I didn't pay a dollar and just took a few hours of time. If you send a payment, it restarts the clock. They were able to clean up my report and remove several items I wasn't getting any luck on myself. Want to add to the discussion? For the price I preferred creditrepair.

Just be sure to get it in writing and then may sure that they delete it from your credit reports. Violation is an immediate and permanent ban.

The late payments I'll live with. You can dispute your own credit for free. How the heck is your interest that low? Good luck! And have the time. Also credit is not a speed thing. They are all a waste of time and money.

Start a Discussion in PF. And a credit repair agency doesn't matter when researching an account to respond to a dispute. 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. Just keep good notes and records I did rhis when I bought my first house. Use of this site constitutes acceptance of our User Agreement and Privacy Policy.

They were able to get a lot of things deleted from my credit report. I'm concerned my disputing hasn't gotten anywhere with my loan companies from late payments from that long ago so idk. It's a marathon not a sprint. I was looking at Credit Repair solutions and found a business who could magically get all negative items removed. Join the community in our main reddit!

I had a ton of negatives and they were able to get about 35 removed from the 3 bureaus. My highest is 6. They will take a lot longer than if you did it on your own. Become a Redditor and join one of thousands of communities.

Post a comment! Also, don't go through a debt consolidation company - those are terrible and don't work. I was able to pre qualify for a VA loan last week. CRedit submitted 2 years ago by wadamean.

Post a comment! They told him it would have been better off had be not used the service. A friend of mine tried a credit repair service. I've considered one of these services. If you're looking at medical collections you might google the "whychat" method. I use CreditKarma and Experian to check my credit score, and it recently dropped from Excellent to Poor within a few months.

Credit repair takes time. Want to join? 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.

I have a high credit card utilization. My credit has gone up points in the last few months by just simply disputing items in my credit through the credit bureaus. Good luck. But you need to find a good one. Little bit of time and effort will pay off in the long term. This is entirely correct but I also want to add that some people prefer to not worry services repair fast credit this stuff.

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".

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 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.

Welcome to Reddit, the front page of the internet. I am not opposed to this. Be careful with those companies, but I can recommend using one with a good reputation to dispute the reports. Sounds too good to be true It is too good to be true. Just started using them so no real results yet but they've been very easy to work with.

On that note, I have used 2 services that I can recommend. They completely removed it. So yeah I found it to be helpful, they got a ton of stuff removed from my report.

I'm gonna pay straight cash to settle. But only to the amount of about 2K max. Welcome to Reddit, the front page of the internet, best credit repair company reddit. As far as those who will work with your creditors to reduce and consolidate your debt, those can sometimes do more harm than good.

Again, you can do this stuff yourself but it's tedious. I disputed my student loan that was in collections but settled and paid off. Just always remember that they are doing something you could have done yourself by reading the myfico forums and doing some googling. Best Credit Repair Company? Create an account. Go read this I personally could recommend a couple of good companies that would do just this and don't sell your information.

The day it goes on your credit report I think? 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. Go to www. I agree. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports. 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.

I figured Blue Sky was cheap enough to try so why not? Join the community in our main reddit! If it's accurate, you can't. 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. There is no mechanism short of a lawsuit to force them to remove it even if you have it in writing. 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.

They will take a lot longer than if you did it on your own. You can spend 4 hours fixing 1 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 best credit repair company reddit relationships in place to fix it right.

Submit a new text post. All rights reserved. You are paying for the convenience of having someone else send the letters, keep track of them, and follow up. Yeah, there are legit companies out there, but they're still not doing anything that you can't do on your own. 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.

Want to add to the discussion? One thing to make sure to ask is how many interactions they take each month. If you expect them to use magic powers or something you will be mistaken. And they advise you on everything. Want to join? My friend is a mortgage lender and on a monthly basis, there's always a couple of clients that have continue reading issues.

Log in or sign up in seconds. I mean the irony here is that I found Blue Sky through this subreddit on a very similar thread. I had a friend basically lecture me for me doing my own yard work, trimming trees and such. Lenders rarely adjust prior history, but if you are behind on accounts, they'll usually work to get you back on track. Create an account. That being said, there are some non-profit consumer credit counseling agencies that are reputable and will offer services for free.

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. Welcome to Reddit, the front page of the internet. No because repairing your credit is a ridiculously simple process and quite frankly common knowledge amongst the educated.

Which one would best best and perhaps best bang for your buck and fastest? It is quite amazing. 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 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.

Lenders pay a lot of money to access credit reports and they want to see accurate information. Fact is, sometimes yard work is nice escapism. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports. I had a ton of negatives and they were able to get about 35 removed from the 3 bureaus.

I had a bank account I over drafted and never paid back when I was like 18 and the bank just wrote it off. He illustrated that I can make more per hour than I would pay out doing such a task. I was looking at creditrepair. First its 10k then Its 5k then suddenly some fees they totally told you about. And debt collectors will often accept a 'pay for delete' if you negotiate it. They are required to keep records that allow them to list that negative information on your report.

Federal student loan debt and private student loan debt are totally different and OP didn't specify which he has. That's one aspect that isn't inclusive of all people that need credit repair. Get everything in writing before you pay.

If they dont take it off, you send that in to the beruos and its gone. Become a Redditor and join one of thousands of communities. More of a "why buy a car when there is a inexpensive public transportation system" argument. Submit a new text post. I waited 7 years and my credit went up points, not applicable to student loans, but still awesome to see it works.

They are required to keep records that allow them to list that negative information on your report. On repair alliance credit note, I have used 2 services that I can recommend.

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.

Enjoy the Wiki? Get an ad-free experience with special benefits, and directly support Reddit. This is entirely correct but I also want to add that some people prefer to not worry about this stuff. Well, to be fair, an appendectomy probably doesn't belong on that list. Get an ad-free experience with special benefits, and directly support Reddit. Obviously, there is going to be some earning level where it just makes sense to use a service. However, your ability to earn money is still finite.

I was just illustrating that we can do anything ourselves but for some tasks, it's better to let someone else handle it. 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. SBCR has a 90 day money back guarantee and is cheaper than CR, any advice on whether one is better than the other? Not sure why you got down voted.

Leonid Rogozov is a famous self surgeon left with no alternative. You should never pay for credit repair. And it's free. Thanks for the info -- greatly appreciated. A few did come back later on but that is to be expected. 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 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. Sure many of us make more than a lawn care worker Even after taxes. I finally gave up and am doing it the old fashioned way and waiting my 7 years for it to fall off. Post a comment! Use of this site constitutes acceptance of our User Agreement and Privacy Policy. Go read Don't feed an industry that preys on the uninformed, you can fix it all yourself.

They were able to clean up my report and remove several items I wasn't getting any luck on myself. Always get the new terms in writing before you pay and do not ever give them direct bank access which they will ask for.

Much better to call the loan holders yourself and negotiate a lower payment. Even if it is settled for less. Join the community in our main reddit! Only if you ask them as part of an agreement in paying them in full or some other agreed upon amount. Imo they are better than the competitors.

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've heard that you need to get an agreement in writing that says they will remove it from your credit once its paid. Just always remember that they are doing something you could have done yourself by reading the myfico forums and doing some googling. I can cut my own grass but I pay someone else to.

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. Log in or sign up in seconds.

Pay for deletes are not binding on the creditor. For the price I preferred creditrepair. But now people are down voting it? It will fall off your report after 7 years give or take.

Enjoy the Wiki? I've disputed it every year but It's about to come off my report anyways. You can do that all yourself. It all comes down to what you have time for and whom you're comfortable with delegating responsibilities to.

Lawn care and tires, sure, but a lack of time isn't really the reason I wouldn't DIY abdominal surgery. It is very common to lead people down a never ending trail of paying money to the repair service. If you ask them after you pay them they will just laugh and tell you to take a hike most of the time. Want to join? I use sky blue they are cheaper than competitors. 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.

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. Our personal comfort zones will dictate what we delegate. CRedit submitted 2 years ago by wadamean. Little bit of time and effort will pay off in the long term. Well, if it's paid it'll be closed. You should never pay for an appendectomy or to rotate your tires, and especially doing your own lawn maintenance either.

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. And this rarely works. Many times the companies who are reporting on your credit report will remove themselves once the account is closed if you ask them to.

I have not used sky blue so I can't speak on them. It's not supposed to. Just don't do it. Welcome to Reddit, the front page of the internet. 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. Don't make some bullshit argument about how you could earn more money hiring someone to do it for you. 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.

For me, it was worth it. Sometimes fixing your credit yourself just doesn't work, best credit repair company reddit, too. You get a letter of settlement.

You will spend a lot of time reading and learning - but in the end, it will be worth it, guaranteed! All rights reserved. If you have legitimate debts then you have to work with the lenders to settle them and close the accounts.

I can tell you it gets better I am in the low end of Good credit now and in another 1. Came to say this. All rights reserved. All my current accounts are up to date and current. They are required to keep records that allow them to list that negative https://creditrepair.rocks/609-credit-repair-com-reviews.html on your report.

And it will be even slower if you pay a company to do it for you. The way HTDI sets it up is you forward all correspondence to me and I to them and they draft the letters for you. Send the company collecting a ton of requests asking for documentation, claiming there is an error.

You should find that you can do this stuff yourself if you have a little time and do a bit of research. When was the DOFD for your negative accounts? 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. There is a huge difference. Lots of older things come off. Credit repair isn't magic and it takes hard work. Do those credit lines only have positive history?

Let me know if you would like me to send the info to you. Credit repair services exist to make money, they make their credit repair program $100 off their clients AKA you. The reporting agency sends a request for validation to the creditor. 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.

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.

If it comes back valid then do it again until they don't validate. Enjoy the Wiki? Credit is a journey as someone that had major problems 5. Enjoy the Wiki? Make sure it's actually in collections. Three months in, all my scores had gone up over points, all but one negative item was removed, and we stopped the process.

The best method is to educate yourself and do it yourself. That's really the only way to get legitimate adverse debt items off of your report. 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. Just look at how your credit score works. I vowed to fix what I could on my own then turn over any immovable objects to the pros You can do it.

I signed up as a reseller of credit repair services through HTDI financial once upon a time. Get an ad-free experience with special benefits, and directly support Reddit. Thanks everyone. Basically: If its not worth your time, it might be worth your money. You get a letter of settlement.

Credit consolidation and credit repair companies are horrible and almost never work for people. But only to the amount of about 2K max. But it only costs a buck to try each time. If they repost it show the agency proof it was already removed and boom.

These places do nothing that you cannot do yourself. If it is removed it can not be reposted. Want to join? The longer and older the better. If you need help or more information we offer a free step by step mini course that can help you educate yourself read article how to go about getting better credit. I'd like to recommend creditboards.

While you can do everything a credit repair agency can do, they do have one thing you might not have: time. Now pay us more! If they dont take it off, you send that in to the beruos and its gone. The biggest chunk of your score is payment history. For starters, in many cases they are legitimate debts and will be verified. You can do both yourself.

Half of the bankruptcy clients that come into the attorney's office where I work have some kind of credit company "helping" them. Many other people have said it though, if it sounds too good to be true it probably is. There are tons of resources and guides online.

Want to join? Yes, there is a learning curve. They have 30 days to prove to the reporting agency the debt they claim is valid. And you will pay again the following month for the same work. Post a comment! I did rhis when I bought my first house. Either work it out with your loan company yourself, or hire an attorney.

I'm a busy guy and it made more sense for me to pay the cost in cash rather than in time sunk in and stress. Submit a new text post.

It's not hard, just make the commitment and setup a small monthly budget and you can make a pretty hefty credit repair conference 2019 in less than a year. Use of this site constitutes acceptance of our User Agreement and Privacy Policy. Join the community in our main reddit! There is no person or company that will care about it more than you or will do a better job at it then you. Which is all that a credit repair service is going to do.

And anyone looking to settle are just looking to make a quick buck because they probably bought that debt for less than that. Are there medical defaults, collections, charge offs, late payments and the like? 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. Plus a Kohl's card I rarely use. 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.

Can you give us more data on what your "shit credit" looks like? Become a Redditor and join one of thousands of communities. Just keep good notes and records. But, if you really are serious about having it done - and want to do it right - only you can do that. I found some great credit repair companies here but i think it all depends on your specific situation.

And there were some hard credit above sky blue credit repair reviews happens 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??!

They're lying to you. Takes about 30 minutes a day for a few weeks. It is better to do your own repairs. Log in or sign up in seconds.

Submit a new text post. I would probably just call the loan company first before even bothering with those jokers at the collection agency. Want to add to the discussion? So if you are paying them to repair your credit you are spending money that could otherwise be used for paying off your debts. Log in or sign up in seconds. I don't know whether this is still possible, since I heard of it years visit web page. If they claim to do something you cannot do yourself, they are lying.

Get an ad-free experience with special benefits, and directly support Reddit. Use of this site constitutes acceptance of our User Agreement and Privacy Policy. 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.

As far as student loan companies I have found them to be very willing to work with you. Yeah don't do it there is no easy way and usually results in a waste of money and possibly more problems, best credit repair company reddit.

Lenders pay a lot of money to access credit reports and they want to see accurate information. 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. Additionally if they don't respond in a certain amount of time you can have it removed from your score.

If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports. Fixing your credit will not happen fast. If the smallest one is found they usually have to take it down. The credit repair agencies use that to say "see, we're doing a good job! Some new debts won't. It is. Score went from to within a month. I just chose to pay for someone else to do the work. So I don't think a secure card would help me at this point unless I want to flood my credit repair agent job description report with good stuff.

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.

It's really just validation letter after validation letter after validation letter until they slip up and don't validate within 30 days. There's no one size fits all for everyone. If so that is great. I have successfully navigated credit disputes before that but having someone else stay on top of it was nice. I think it's actually more simple than I thought I think. I have a high credit card utilization. You can typically call and settle with them for a fraction of the cost.

They are required to keep records that allow them to list that negative information on your report. CRedit submitted 5 years ago by nychustler. And took a look at them. Welcome to Reddit, the front page of the internet. There's more to credit repair that simply disputing items on the credit report. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports.

And time article source cable decided to remove my to credit how sale short repair after pay one day without telling me.

Want to add to the discussion? Post a comment!

It is better to do your own repairs. I have not used sky blue so I can't speak on them. I was advised the more letters sent each month, best credit repair company reddit, the worse it looks to the bureau. They are required to keep records that allow them to list that negative information on your report. Credit repair isn't magic and it takes hard work. Many other people have said it though, if it sounds too good to be true it probably is. Little bit of time and effort will pay off in the long term.

You can typically call and settle with them for a fraction of the cost. Score went from to within a month. I have successfully navigated credit disputes before that but having someone else stay on top of it was nice. Credit consolidation and credit repair companies are horrible and almost never work for people. This is how many letters they will send out each month. So I don't think a secure card would help me at this point unless I want to flood my credit report with good stuff.

It is. Use of this site constitutes acceptance of our User Agreement and Privacy Policy. Credit repair services exist to make money, they make their money off their clients AKA you. Become a Redditor and join one of thousands of communities. Plus a Kohl's card I rarely use. I would probably just call the loan company first before even bothering with those jokers at the collection agency.

I did rhis when I bought my first house. If they dont take it off, you send that in to the beruos and its gone. Submit a new text post. There is a huge difference. 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.

Just always remember that they are doing something you could have done yourself by reading the myfico forums and doing some googling. I use sky blue they are cheaper than competitors. Want to add to the discussion? There is no three. Basically: If its not worth your time, it might be worth your money. It's a marathon not a sprint. I had a ton of negatives and they were able to get about 35 removed from the 3 bureaus. 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.

They will take a lot longer than if you did it on your own. 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.

SBCR has a 90 day money back guarantee and is cheaper than CR, any advice on whether one is better than the other? So if you are paying them to repair your credit you are spending money that could otherwise be used for paying off your debts. They can only look for inconsistencies and things that might have been entered twice or other mistakes. Make sure it's actually in collections. Create an account. As far as student loan companies I have found them to be very willing to work with you.

A few did come back later on but that is to be expected. Good Luck! And time warner cable decided to remove my auto pay one day without telling me. These places do nothing that you cannot do yourself. The only surefire way to get negative items removed from your credit report is to wait until they fall off.

You are paying for the convenience of having someone else send the letters, keep track of them, and follow up. 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. 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.

Additionally if they don't respond in a certain amount of time you can have it removed from your score. Lenders rarely adjust prior history, but if you are behind on accounts, they'll usually work to get you back on track. Become a Redditor and join one of thousands of communities. I can tell you it gets better I am in the low end of Good credit now and in another 1.

Sometimes fixing your credit yourself just doesn't work, too. Nothing that you can't do for free and it will most likely not do anything. They are all a waste of time and money. There are tons of resources and guides online.

There's more to credit repair that simply disputing items on the credit report. Log in or sign up in seconds. Credit repair takes time. Get everything in writing before you pay. Welcome to Reddit, the front page of the internet. Go read Don't feed an industry that preys on the uninformed, you can fix it all yourself. And this rarely works. Thanks for the info -- greatly appreciated. CRedit submitted 2 years ago by wadamean.

Join the community in our main reddit! Enjoy the Wiki? It's not supposed to. Takes about 30 minutes a day for a few weeks. If they claim to do something you cannot do yourself, they are lying. You can do both yourself. 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. Lenders pay a lot of money to access credit reports and they want to see accurate information.

It will fall off your report after 7 years give or take. When you do this get it in writing they are best credit repair company reddit and that they will REMOVE it from your score - not marked it as paid. Even if it is settled for less. Credit is a journey as someone that had major problems 5. You just have to do some reading and learn how credit works.

And they advise you on everything. Welcome to Reddit, the front page of the internet. 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.

Post a comment! Half of the bankruptcy clients that come into the attorney's office where I work have some kind of credit company "helping" them. Imo they are better than the competitors.

There is nothing a credit repair company can do that you can't do for cheaper and quicker. If I had the time, I would. I was looking at creditrepair. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports. Go read this I have written a guide based on my personal experience and research of this topic.

Want to join? Here is a good place to start 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.

Well, if it's paid it'll be closed. And debt collectors will often accept a 'pay for delete' if you negotiate it. Also credit is not a speed thing. I just chose to pay for someone else to do the work. Create an account.

Yeah don't do it there is no easy way and usually results in a waste of money and possibly more problems. If the smallest one is found they usually have to take it down.

And anyone looking to settle are just looking to make a quick buck because they probably bought that debt for less than that. 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.

You can fix your own learn more here cheaper and faster than any company can. I've heard that you need to get an agreement in writing that says they will remove it from your credit once its paid.

If it's accurate, you can't. Get an ad-free experience with special benefits, and directly support Reddit. Which is all that a credit repair service is best credit repair company reddit to do. You get a letter of settlement. All rights reserved.

Anyone offering this service for money is trying to take you for a ride, guaranteed. 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. Pay for deletes are not binding on the creditor. Do those credit lines only have positive history? I'd rather pay a professional to take care of the 'late payments' showing up.

Either work it out with your loan company yourself, or hire an attorney. Just keep good notes and records. They're lying to you. If you expect them to use magic powers or something you will be mistaken. If you have legitimate debts then you have to work with the lenders to settle them and close the accounts.

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

Which one would best best and perhaps best bang for your buck and fastest? Send the company collecting a ton of requests asking for documentation, claiming there is an error. That's really the only way to get legitimate adverse debt items off of your report.

I tried both several years ago, so bear in mind things may have changed, but I was happier with Sky Blue over Lex. For starters, in many cases they are legitimate debts and will be verified. One thing to make sure to ask is how many interactions they take each month.

Most of these people were applying for a mortgage.

And I don't think they have an interest in making sure bankruptcies are recorded at the credit bureaus. You would almost assuredly be better placed to delay this home purchase until you get your credit taken care of a bit more. Remember, credit is a marathon, not a sprint. But only to the amount of about 2K max. If it comes back valid then do it again until they don't validate. If it is removed it can not be reposted. They are required to keep records that allow them to list that negative information on your report.

But it only costs a buck to try each time. I have a high credit card utilization. My dads friend was in heavy debt and he used a service like this, but i don't recall the name as this was 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? Want to join? You can work through one of the credit reporting companies. The collection agency gets the letter and then they have to go back and verify the debt.

Log in or sign up in seconds. My wife did one last year. Just always remember that they are doing something you could have done yourself by reading the myfico forums and doing some googling. The problem is that once they've validated your debt they can put it right back on there or sell it on, so it's generally not a very effective strategy something credit repair cloud training very you want something permanently removed.

Request that the credit reporting companies verify the bankruptcy. There is no person or company that will care about it more than you or will do a better job at it then you.

The truth is, no matter what they promise, it's not up to them, so results are often not what they promise. In about three months I was able to raise my score a lil more than 60 points without spending anything more than postage costs. While you can do everything a credit repair agency can do, they do have one thing you might not have: time. A few did come back later on but that is to be expected.

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. If you're looking at medical collections you might google the "whychat" method.

A lot of these are a scam or half-assed. One thing to make sure to ask is how many interactions they take each month. Make sure you build up a next egg outside your down payment just in case. The reporting agency sends a request for validation to the creditor. What you would do is send two certified letters, one to the collection agency challenging the debt and one to the credit reporting agency challenging the item on the report.

Three months in, all my scores had gone up over points, all but one negative item was removed, and we stopped the process. Apparently, at the time I heard this, it was a physical file. If the file wasn't there, the credit reporting company would assume it was a mistake and take it off their records. Which one would best best and perhaps best bang for your buck and fastest?

Some new debts won't. Want to add to the discussion? I believe if you can prove insolvency you won't have to pay taxes but I don't know how difficult that is. It's really just validation letter after validation letter after validation letter until they slip up and don't validate within 30 days.

Quicken Loans advised me to take care of this. Thanks for the info -- greatly appreciated. The best method is to educate yourself and do it yourself. Become a Redditor and join one of thousands of communities. Welcome to Reddit, the front page of the internet.

I have not used sky blue so I can't speak on them. All rights reserved. But, if you really are serious about having it done - and want to do it right - only you can do that. Let me know if you would like me to send the info to you. I was looking at creditrepair. And anyone looking to settle are just looking to make a quick buck because they probably bought that debt for less than that.

Things may have changed. Requesting the bankruptcy file from federal court. Plus a Kohl's card I rarely use. The way HTDI sets it up is you forward all correspondence to me and I to them and they draft the letters for you.

But since the collections agency is forbidden from taking collection activity until they have re-verified the debt, article source cannot reply to the credit reporting agency and consequently the CRA drops the item from your report.

No, you are missing the point. Yes, there is a learning curve. This is entirely correct but I also want to add that some people prefer to not worry about this stuff. Thanks everyone. Post a comment! Credit is a journey as someone that had major problems 5. I think it's actually more simple than I thought I think.

Yeah don't do it there is no easy way and usually results in a waste of money and possibly more problems. I was deployed in Afghanistan and had credit issues from my divorce so didn't have time to send all the challenge letters and such to fix my credit myself. Submit a new text post.

I found lexingtonlaw. 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.

Lots of older things come off. If you expect them to use magic powers or something you will be mistaken. I used to work for an Equifax branch removing mars from people's credit.

I had a ton of negatives and they were able to get about 35 removed from the 3 bureaus. If so that is great. I sighed up with Experian for my credit reports today. I don't know whether this is still possible, since I heard of it years ago. I'm a busy guy and it made more sense for me to pay the cost in cash rather than in time sunk in and stress.

Settling a debt is no better than just not paying and letting it fall off after time passes unless they agree to remove it from your report good luck on that happening Plus you said it is already in collections so you have 2 entires on each report for the account A Proposal Administrator can take care of negotiating a low settlement and helping you manage a flat rate debt repayment. All my current accounts are up to date and current. Enjoy the Wiki?

I'm planning on buying a home within the next 6 months. You will spend a lot of time reading and learning - but in the end, it will be worth it, guaranteed! Use of this site constitutes acceptance of our User Agreement and Privacy Policy. You don't need a good credit rating unless you are borrowing money. SBCR has a 90 day money back guarantee and is cheaper than CR, any advice on whether one is better than the other?

In the meantime the credit reporting agency gets your challenge, then sends the collection agency a request to validate the debt.

I think the only difference is in my example, the federal government takes the place of the debt holder. When they request a verification, a clerk would physically go to the file to verify the information. CRedit submitted 2 years ago by wadamean.

Go read Make sure it's actually in collections. You are paying for the convenience of having someone else send the letters, keep track of them, and follow up. Do those credit lines only have positive history? 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??!

And took a look at them. The IRS counts this as income. They have 30 days to prove to the reporting agency the debt they claim is valid. For the price I preferred creditrepair. It's good you're taking steps to get your monthly's in order. So I don't think a secure card would help me at this point unless I want to flood my credit report with good stuff. Are you sure you will be able to make your mortgage payment each month if you are having trouble making a student loan payment?

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. I signed up as a reseller of credit repair services through HTDI financial once upon a time. It's not hard, just make the commitment and setup a small monthly budget and you can make a pretty hefty impact in less than a year.

I would probably just call the loan company first before even bothering with those jokers at the collection agency. When was the DOFD for your negative accounts? They're allowed to "check out" for 60 days. Maybe more. Just started using them just click for source no real results yet but they've been very easy to work with.

If they repost it show the agency proof it was already removed and boom. Join the community in our main reddit! They'll make one or two calls and then disappear. That's why its currently in collects and on a payment plan. 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.

Get an ad-free experience with special benefits, and directly support Reddit. This needs to happen within 30 days. If I eliminate that payment plus convert my current rent into a mortgage there shouldn't be a problem. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports. I'd like to recommend creditboards. I can tell you it gets better I am in the low end of Good credit now and in another 1.

It will take time. I'm not sure how the customers started things on their end, maybe through their realtor or lender never saw that sidebut when we'd fix things for someone at Equifax, we faxed their info to the other two credit companies to remove from their record.

Also, under the FCRA if you challenge the validity of an item on the credit report then they have to request proof of the accuracy of the item within a period of time 30 days maybe? In the past, it was an issue. This is how many letters they will send out each month. Create an account. 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 was advised the more letters sent each month, the worse it looks to the bureau.

On that note, I have used 2 services that I can recommend. I can cut my own grass but I pay someone else to.

div class="container">
Click for The Best Credit Repair Service. Initial Advice Free!