Does anyone have any comments on Credit repair agencies?
Two months ago I hired Lexington law, because for me that was the easiest way to go about getting old items removed from my Report. But...
As it turns out really if you have the time doing it yourself it is pretty decent, daunting sure, i still get overwhelmed when planing my next strike, but the satisfaction of watching the credit score go up and up over the last three months have been worth the reading and effort, and standing in line during the holidays to send the letters certified mail. :D
Really I think I can do a better job, it is not about the money, maybe its the fight.
What are your opinions? due any of you help out other people for a side job or just to see a real happy face when we stick it to the CA etc?
Sorie, Around here we are just people helping people and can help you with cleaning up your report. Many people do it theirselves and I think f you have the time to put into it then why not try it yourself before going to the expense of hiring a repair agency. Let us know if you have any question or want to know how to do a certain thing or two and someone here will be willing to help. Also welcome to the forum,
Hi Sorie
It is always good for you if you repair your credit yourself because by doing so you can save the fees which you need to pay the credit repair agencies. These repair agencies claim that they will clear your report totally of any negative information, but the fact is that nobody can clear correct information from the credit report. If you go thorough the Federal Trade Commission site, they will also suggest you to repair your own credit.
Yes, if you send debt validation letters by certified mail to the creditors or the collection agencies whose name appears in your report, and the creditors do not validate the debt within 30 days they receive your letter, you can send a dispute letter to the bureaus along with a copy of the return receipt you received while sending the Dv letter. The bureaus will verify it with the creditors and get it removed from your report. Again if you have a hard inquiry listings in your credit report which has not been authorized by you, send letters to the inquirers asking them to remove the listing from your report and threaten then that if they do not remove the listing from your report you would complain to the State Banking Commission. You can find sample letters if you visit the link letters of credit
credit
I made a comment, on this post, last night. I don't know why the post isn't here. Anyway............I tried Lexington Law at one time. They seem to to 'help' in anyway. They said they contact your CA's, give you 'updated' paperwork, etc. None of this had happened for me. I feel I wasted ALOT of money on this company to do NOTHING. I've learned, from this forum, that I can help myself, to improve my credit.
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