BEST COM[PANY TO FIX MY CREDIT SCORE?

WHAT ABOUT OVATION LAW OR TD FINANCIAL INC.?

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1) No one can fix your credit score. But you can do it for free yourself. Why pay someone to do what you can easily do for yourself. The government allows you to order your credit report for free once a year. Here is the website: www.annualcreditreport.com Then once you have all 3 credit reports call the companies and dispute any errors. It is easy and they give you instructions on how to dispute any errors.

2) also remember that you can have anything past the statue of limitations removed from your report (only if it is a neg. item would i remove it)

3) yourself......offer settlements on collections and pay all existing accounts on time.......it takes a lifetime to build it up, but hardly any time to mess it up........

4) No one can legally "fix" your credit score. The law states that all information gathered about you by the credit bureaus has to be correct, otherwise it has to be deleted. You can dispute incorrect information yourself. The credit bureaus have to verify your dispute with your creditors. The creditors have 30 days to respond. If the information is incorrect, it has to be corrected. If the information is not yours, or if the creditor does not respond within the 30 days, the information has to be deleted. That is all the "credit repair" companies can do. However, some credit repair companies use the strategy of disputing all information in your credit files, both good and bad. That way positive entries are also often deleted which results in an even lower credit score.

5) Before you sign up with a credit repair company, read this: http://www.ftc.gov/bcp/conline/pubs/credit/repair.shtm

6) You can fix your own credit for free. You just have to educate yourself. It is time consuming at first, but its free. go to this website. Its for those wanting to repair/rebuild or rebuild there credit. They have a newbie section that gives you all the steps you'll need. The most important thing to remember is that it takes time. You cannot fix your credit over night. I hate it when people go to these companies and pay the high fees when you could of done it yourself for free. For example, my buddy was going to go to a repair agency and they charged 75 dollars for every negative tradeline that they removed. I told him jokingly to give me 50 for everyone i got removed. So i did a blanked dispute as not mine on his credit reports, and between the 3 majors (Transunion, Experian, Equifax) has 32 tradelines removed within 45 days. He had filed BK and had around 50 negative tradelines on his reports. Of course i didnt make him pay me, but thats how easy it is to do yourself. It took him two years to get his reports clean. Good luck. here is the website. www.creditboards.com/forums The people are great, they will guide you in your credit repair journey. By the way, those that tell you to pay a collection has no idea about the FICO score. Paying a collection actually hurts your credit score because it will reset the date of last activity.

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