*Loan,banking and credit>>>credit repair

Has anyone used credit repair agency? Do they work?

Save your money and do it yourself. I send my own letters to dispute everything on my credit reports. I make sure that they do all the followup by the FCRA Regulations. What does not show correctly, comes off!. Also check with E-loan, they have all types of strategies to help with this. Letters, budgeting, credit repair etc.

No... It is a scam

Pay your bills on time for a period of three years and banks will give you money.

start with a car purchase ( I suggest putting 20% - 40 % down) or a high risk credit card with a low balance and pay the bill on time.

Banks are in the business of lending money. They want to lend you money they just need to have a releative good feel about your ability to repay.
You can do it yourself for free.

Also, it is illegal for a credit repair company to take your money before they have completed the service.
www.stopccdebt.com