does anyone know any good credit repair services?
i have really bad credit and i wanna fix my credit.i cannot get a cell phone with my bad credit or a loan.so does anyone know any good and low cost credit repair services.plz answer my question.1) I have been to "many" different credit repair sites on the web. Some were pretty good and some were pretty bad. I refuse to use a website that requires a fee to get their credit repair info when there is great free sites on the web.. I'm listing the best site that I've ever been to. http://best-loans.awardspace.com/repaircredit.htm http://credit-cards.awardspace.com/ It is a "free" do it yourself credit repair site. I have learned so much by reading and asking questions on that site. And, I have seen "significant" improvement on my credit reports after learning my rights and using them.Don't pay for information that you can find for free.
2) What you need to do is work on paying off your debts, and making sure you pay your bills on time. That is the only way to repair your credit. Most of the companies that say they can reduce what you owe, etc... just completely ruin your credit, so you might owe them less, but your credit is trash. Unfortunately it cannot be done overnight, and it will take a while before your credit is completely repaired. You should be able to get a cell phone, but you might be required to give the carrier a deposit. So pay your bills on time, pay off your debts. If you have credit cards, pay them off, or transfer the balance to a card with a really low interest rate, but do not close the cc accounts if they have a balance.
3) Try some non-profit credit counseling agencies such as Consumer Credit Counseling Services, CreditGUARD of America, American Debt Solutions, etc.
4) Yoko is on the right track, I do credit repair part time, help my friends get straight on their credit reports. Anyone that does make you pay up front, without a consultation, or does not suggest how you could clean up your report yourself is probably not a good source to use. Start with getting your credit report at www.annualcreditreport.com, you can mail off for all three copies using one form. It takes about 10 days if you have not received a report within the last 12 months. Start with the smallest report and go from there, get dispute letters on line for free and fill in the blanks. It could take up to 6 months to really breakthrough on your credit report, be persistent, send all letters certified mail and make sure the credit bureaus help you out.
5) All these so called credit repair places do is dispute any and all negative items on your credit report in hopes that the agency will not be able to verify the debt hence it getting deleted from your credit file. You can do that yourself for free.
6) check this web site for help and info.wwwhouseofrapidcreditrepair.com
7) They are listed here: http://bestcreditcardratings.com/credit-repair/
8) ?redit repair work?d fine for me. I used this service - http://freecreditreport.sinfree.net - They disputed and removed lots of bad items from my credit report.
