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| *Loan,banking and credit>>>credit repair |
Are credit repair bureaus worth it if I have a 680 score but have late pmts on my history? |
Are credit repair bureaus worth it if I have a 680 score but have late pmts on my history? no. credit repair firms are usually fraudulent and/or scams. They ask for a ton of money up front and either never do anything, or create new information which is illegal. A 680 score will pretty much get you anything you want anyway Been in the credit business for over 5 years lign="right" > Sign in to vote! Credit repair bureaus can't really do anything for you that you can't do for yourself. Assuming you have paid the late debts, really the only thing you can do is ask the credit bureaus to remove the late payment notices from your credit record, which they will probably refuse to do. Eventually they will go away by themselves. And you can talk to the creditors and ask them to inform the credit bureaus that there are no late payments now, which they will also probably decline to do. Credit repair bureaus have no power at all to do anything with your credit history. They can just send the same requests you can. lign="right" > Sign in to vote! The prime score that consumers should be at is between 700-800. If you have this score you are pretty much golden. Although it also depends on what you have late payments on. Just make sure that if you do go to a credit repair service. Make sure they are registered and bonded by the Federal Trade commision. Credit Consultant |
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