Credit Repair & Debt Relief Issues

lee s asked:


do those credit repair services work. i have spoken to a few of them and they told me that they are able to get late satisfied payments off my credit report and the also told me that they are able to remove a bankruptcy off my report that is 8 years old. how do they work and what is desputing and item mean.

T.J asked:


I am currently monitoring my credit report from the 3 credit bureaus. I filed bankruptcy almost 2 years ago and I currently have no balances on any of the 4 credit cards I have and have never been late on a payment to them. I monitor my credit report with Experian and I now have a 620 credit score. With experian I have seen a steady increase in my credit score since I filed my bankruptcy. With the other two agencies, I haven’t seen much of a change. Experian is at 550 and Transunion is at 505. I have checked my report with all 3 bureaus and they all have the same information. Can anyone tell me why there is such a difference in the three credit scores? As of right now, I have $100 balances. I pay all my bills on time and from everything I’ve read, a discharged bankruptcy from 2 years ago should have my credit back to about the 650 -670 range. Am I missing something?

Linda T asked:


I ordered a credit report & scores from Experian: score 781(Very complete report) Equifax: score739 (Had only 2 accounts on report and they had been closed since 1989 &1999) TransUnion: score 746 (Payment status on most all of my accounts were either “unrated” or “unrated or bankruptcey” I have never had a bankruptcy and I feel that statement infers that I have. I have applied for a refi on my home (getting rid of an ARM mortgage) and I was told that they would take all 3 scores and average them out. I feel this is not fair to me because of the two credit reports that are not complete. Is there any way that I can make the credit bureau complete my file? Maybe send them a copy of my report from experian? Thanks LindaT