Credit Repair & Debt Relief Issues

Scott M asked:

I have some blemishes on my credit history to say the least. I know the basics of my credit score but can’t stand dealing with the credit bureaus. Is there someone/company out there that is 1. reputable 2. cost effective 3. Safe/Ethical that can take care of this for me. I know this is a sketchy industry and everyone tells me I can/should do this myself, but I’m at my wit’s end here.

signed,
Sick of bad credit

Peace Lover asked:


I recently heard on radio about a debt free program. They officially negotiate on your behalf with the credit card companies. What may be the Cons? Is it safe to rely on Debt Settlement Program to free from one’s credit card debts? How may it affect one’s credit score?

Mike HHH asked:


There is a law firm that keeps popping up on websites that says they can improve your credit score. Has anyone actuallly tried this service. If so what was your experience with them? Am I better off trying to repair my credit myself.

soonerfan0808 asked:


I am trying to raise my credit score quickly. Right now I am at 593-around 650 depending on agency. So, by paying off the 5 credit cards that I currently have(some with amounts ranging from 1,500-2,500), should that raise my credit score a great deal? If not, will a credit repair company help or are they just a scam?

Grace B asked:


i would like to know what credit repair company will help my credit score go up legally.

Stone C asked:


Currently my credit score is very low as i did not make any payments since1999 and so on because of which 3 of my Credit Card companies charge off, reported loss or Cancel/Closed the accounts, and they in turn sold them to Collection companies who are reporting them every year to the credit bureau, by which my account looks so bad most recently they reported in December 2005, I know it’s my mistake and i want to repair it, Some one told me that even if i repay the whole thing still it does not help me as the history of past 5to6 years still remains the same in you history is their any other way which helps me in repairing my credit, Please advice me a good solution.

BOSSLADYP asked:


I really want to improve my credit score from being fair to good.

Jennifer K. C asked:


I a trying to build up and repair my credit score . Can someone give me some good advises on this?