*Loan,banking and credit>>>credit repair

Has anyone used a legit credit repair company?

I have tried to dispute items on my credit report and haven鈥檛 had much luck.

I have late payments, bad debts, and I have no good credit. Please give me links so I can research the different companies and make a educated decision. Also your experience with the company would be helpful.

Thanks so much!

Yes I do! But read because its not just that simple

That鈥檚 good that you tried to repair your credit yourself before you decided to pay someone. Now that you know how aggravating the credit bureaus are to deal with, you need to find a legitimate company. Let me tell you; they are far and few between. I tried to repair my credit myself and gave up. Then I hired a company in California called a 鈥淔resh Start鈥?they charged me $695 and stole my money. I never heard back from them. It turns out it was a complete scam.

Still very serious and skeptical about repairing my credit, the 2nd time around, I researched quite a few different companies. I finally decided on a company in Florida called Credit Network. They are a smaller company and they really know what they are doing. They also didn鈥檛 charge anything upfront except for a small setup fee, after that they charge $49 mo, after the work is performed for the previous month. When I started I had 73 negative items between all 3 bureaus! That was about 8 months ago, and they have deleted all but 17 bad items. They were realistic when they said it could take over a year, buts that鈥檚 fine with me, because they followed through on what they said.

Something very important鈥?. The bad debts that you say you owe; you need to pay them off. I don鈥檛 care if you settle them or pay them in full, eventually you need to pay them off because if you don鈥檛, there is a very good possibility they will pop back up on your credit after you delete them. I was told that debts get sold and resold, even after the statute of limitations. So if you are as serious as you sound about repairing your credit, you have to pay them off!!

Oh yeah, here is the link to them http://www.expert-credit-advice.com/cred...

and the home page:
http://www.expert-credit-advice.com/...

i heard it doesn't really work .
NO AGENCY CAN REPAIR YOUR CREDIT- they are all a scam to get your money. Time is what really "heals" your score. Dont believe it...(read the fine print)
dude use Credit Attorney www.creditattorney.com I used them I got like 5 items removed from my credit report and my score jumped up like 100 points
I was in the same situation as you are in now and can totally understand - I used Alliance Credit Counseling and they were very helpful - Link Below

http://www.knowdebt.org/
Yes, cccs.com is GREAT... Clark Howard is a founder they are non profit.....also, in charge and greenpath?? Only use non profit credit repair companies...and be careful. Good luck to you :)
Honey, there is no such thing as a a legit credit repair company.

Only time and a conscientious effort to pay bills on time and in full will 'fix' your credit.