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| *Loan,banking and credit>>>credit repair |
My credit score is so bad, and I want to fix it, should I trust those web sites that promises credit repairs? |
My credit score is so bad, and I want to fix it, should I trust those web sites that promises credit repairs? No. Most of those websites are scams. They take your money and do nothing for you. The reality is that noone can fix your bad credit except you. The few websites that do help with this still have you do the work, they just provide you with the info. Below is some info on how you can fix it yourself. First off, request your credit report (you can do it for free on the link below). Once you go through your report, highlight those accounts that are bad. Do any of those not belong to you? Contact the credit report company and ask them to remove it from your credit as it does not belong to you. Those that belong to you should be isolated into two categories: Those you can pay off, and those you can't. Contact those you can pay off and let them know that you will pay them off. Ask them who to send the payment to, and ask that they remove the negative report since you will be paying them off. Tell them you will not pay them unless they agree to remove the negative report. They will. Now comes the hard part. Contact each and everyone of the bad reports that you can't pay off and negotiate with them to see if they would be willing to take a partial payment for the whole sum. Let them know that things have been difficult and that you are considering bankrupcy, but that you would like to settle your debts with them before that happens. As before, ask them to remove the bad report as a condition of paying them. Most companies will take a partial payment over no payment. This takes finesse and persuasion. Always ask for a supervisor when you call as they have the authority to negotiate an account. Lastly, guard your credit. Get a secured credit card through your bank and make a very small purchase each month and pay it off each month. A history of purchases and timely payments will improve your credit over time. There are no quick fixes, so beware those who offer them. Best of luck. Source(s): https://www.annualcreditreport.com/cra/i... I would not trust them. You don't want too many people having access to your personal information, socical security number, address, phone number, etc. i wouldn't trust them. not the bootleged 1s You can fix your own credit. Go online to each credit bureau and get your free reports. Then write them letters about the bad stuff and tell them to take it off. Just keep doing it every month until it goes away. Very cheap and works fine. Just takes some time to do. No do not trust them, their is no such thing as credit repair, per se. The only thing that helps your credit is time and paying your bills on time. You are able to take false things off your credit report and negative things off your credit after seven years. |
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