You've probably seen advertisements for credit repair on television or heard them on the radio. Maybe you've even seen credit repair signs on the side of the road. You don't have to hire a professional to fix your credit. The truth is, there is nothing a credit repair company can do to improve your credit that you can’t do for yourself. Save some money and the hassle of finding a reputable company and repair your credit yourself. The next steps will show you how.
Reducing your balances on credit cards and other revolving credit accounts is likely the better option to improve your credit utilization rate, and, subsequently, your credit scores. Consistently making on-time payments against your debt will also help you build a positive credit history, which can have additional benefits for your credit history and, by extension, your credit scores, too.
"I'm very happy with my results, and I'm a new member. I have seen results with my first month with CreditRepair.com. I'm very pleased with the customer service, they are friendly, and they make sure I understand the steps, and how important it is to have good credit. I want to thank you for your service, and assisting me with questions and concerns."
"Other than a simple misunderstanding with a recommendation to scoresense.com, my overall experience has been very good. This website helped my score immensely. Being a firefighter, I was embarrassed when trying to get a loan with such a poor credit score when it should have been much higher. Now I am much more confident when I walk into the bank for any reason. CreditRepair.com truly put credit monitoring and evaluation on my personal radar. Thank-you."
If you pay a charge-off in full, your credit report will be updated to show the account balance is $0 and the account is paid. The charge-off status will continue to be reported for seven years from the date of charge off. Another option is to settle charge-offs for less than the original balance if the creditor agrees to accept a settlement and cancel the rest of the debt.
"To everyone at CreditRepair.com. You guys are fantastic in our book! Just wanted to drop you a quick note to say thank you for all the great work you've done helping us in repairing our reports with all the bureaus. Our scores went up much faster than we expected them to and you even managed to fix several items that were not ours and that we couldn't get done ourselves. Great job thus far. Keep it up. We would be happy to recommend your service to anyone who might be in need. Have a great day and God bless."

"CreditRepair.com is an exceptionally wonderful company for people with the desire to improve their credit. There are people who will work with you to answer any questions you may have and will work with you in your journey to improve your credit. Most importantly, they will intervene on your behalf to remove negative information from your credit report."


"In MY experience (of course you decide for yourself), the company is great and responsive for erroneous things that really should come off and that can be taken care of in the first month with the first set of challenges. I made the mistake of letting them convince me to keep on allowing them to challenge and re-challenge the same issues, with no progress made and considerable expenditure on my part. Be aware of the other ramifications of having these "challenges" on your record that they don’t tell you about. Good luck!"
Credit card consolidation - is it right for you? If you're carrying a high interest rate across multiple cards, you may benefit from such services. With more and more Americans facing large medical bills, job loss, and other financial setbacks, credit card debt is higher than ever. And, with interest rates and late fees, it's not unusual for people to get in over their heads. Credit card consolidation helps consumers to better manage their debt and get back on solid financial footing once more.
Other than updating their website, Credit Firm could rank higher among credit repair companies by offering a satisfaction guarantee. While $49/month is affordable and the service is easy to cancel, this provider could take it a step further by letting customers know that they're committed to achieving a specific level of results within a given timeframe.
This company is bad and I mean BAD in the worst sense. They sent out a letter to one of the creditors I wasn't concerned about, but it ended up in my mail box because it was sent to the wrong address. Yes, my snail mail box. They had sent it as if I was the one who wrote the letter and as if I was only 6yrs old, seriously it was so bad I thought it must be from someone who had hacked my account. The letter was sent to my bank who I have a very good relationship with. I waited a few days and called credit repair and asked if this was from them, I was told it was. I then asked if they had their kid write the letter and was told that's just how they send out the letters because it confuses the creditor, what??? I told them there was only 2 creditors I wanted to rid from my reports but for some reason they decided what I wanted and was paying for was not what they wanted, who is paying the bill here? I am!! You do what I say to do and what you don't do is send letters to wrong addresses so they don't end up in my mail box! I wish there was a way to add an attachment here I'd show the pathetic letter they sent which is the very same they send out for everyone. 1 star is 10 too high for this or any other so called credit repair company. Don't waste money on something you can do yourself. Just look at the pathetic responses they give to the above complaints.
Credit repair is the process of disputing negative marks on credit reports to get them removed, which raises your credit score. Credit histories often contain inaccurate or invalid items that damage your score. If you check your credit and your score is lower than you anticipated, it could be because of incorrect information on your credit reports.
"CreditRepair.com is about the only email I look forward to receiving weekly. I am so grateful and amazed how CreditRepair.com has made an impact not only on my credit but also in my life, I can breathe again, and the past mistakes are behind me. Thank you to all the Staff that works hard to accomplish the results I was hoping for! P.S. I love the online chat, quick and easy."
They lie about their rating on the BBB they have an F. They charge an initiation fee, but its against the Credit Repair Organization Act to charge in advanced for work not yet done. They wont start your work until you pay this fee, so there is no way of avoiding paying ahead for services not yet rendered. They rush through my contract, I had no idea about an ending balance. They will charge a months fee at the end to cancel services. Beware of this company, for the services they do, the cost is not worth it. If you ask them to remove your payment method they will say no and offer no guarantee of no future charges. The customer service will curse at you on the phone, get irate, hang up, if you ask for a refund. I wish I did more research before contacting this this company. I wish I could get my money back.
Brittney Mayer is a credit strategist and contributing editor for BadCredit.org, where she uses her extensive research background to write comprehensive consumer guides aimed at helping readers make educated financial decisions on the path to building better credit. Leveraging her vast knowledge of the financial industry, Brittney’s work can be found on a variety of websites, including the National Foundation for Credit Counseling, US News & World Report, NBC News,TheSimpleDollar.com, CreditRepair.com, Lexington Law, CardRates.com, and CreditCards.com, among others.

"My credit was at an all-time low and I did not know what I was going to do. CreditRepair.com got my credit reports straightened out and I can now go on with my life being able to afford the things that make life worth enjoying again like loans for a home at a reasonable rate instead of being turned down before I even get to first base. Thank you!"
"I had no hope. I thought I would never be able to build my credit; I could not even get approved for a gas card. CreditRepair.com turned all of that around with their equipped skills and fast attacking methods; my credit is finally getting where I want it and now I'm looking into buying a house... CreditRepair.com is a team that makes dreams come true. Thank you CreditRepair.com!!!"

"Was really pleased with the service that I received. I worked with them for a period of 4 months and my score improved well over 100 points. They eliminated a lot of outdated and incorrect information that was hurting my score. The process was really easy and efficient! I highly recommend Credit Glory for anyone who needs help repairing their credit and raising their score! "
Credit card consolidation - is it right for you? If you're carrying a high interest rate across multiple cards, you may benefit from such services. With more and more Americans facing large medical bills, job loss, and other financial setbacks, credit card debt is higher than ever. And, with interest rates and late fees, it's not unusual for people to get in over their heads. Credit card consolidation helps consumers to better manage their debt and get back on solid financial footing once more.

Avoid at all costs! Do not use them, use one of their competitors. Any of their competitors, frankly. From the get-go, everything took forever to on-board. It took them two months to set up my account, even after badgering them about it (daily) for a month, via chat. In the 6 months that I used them, they removed but a single negative remark off of my credit. 1 out of the 20 (across the three major credit bureaus). Terrible execution on their part, from their membership correspondence to their ambiguously phrased chat responses. "We're sorry, we really are..." or "Bear with us, we are trying hard for you...: Blah, blah, blah, blah, blah... They removed ONE SINGLE NEGATIVE REMARK IN 6 MONTHS!!! I spent over $1K using them and they did virtually nothing for me. Save your money and go elsewhere or call the credit bureaus yourself, as ALL THEY DO is challenge negative remarks. Their service is pointless and costly. I'm absolutely positive you'll get some bureaucratic, bull crap answer from them below my review, but know this. THEY DON'T DO THEIR JOB AND THEY MAKE UP EXCUSES and their software barely functions. I complained to their IT department 10+ times and they still didn't fix it on the 6th month of service. Just rubbish!


First rate credit repair services with CreditRepair.com. Tons of useful services to help improve credit ratings. Their service support group gives you the peace of mind that these services are worth it. Great satisfaction in their claims that do come true. Trust in CreditRepair.com and you will see great improvement-I have! Their service people are among the best in the industry-real pros.
TurboDispute has opened a gateway in the credit repair business, allowing companies the opportunity to work from any part of the world without bulky networking fees. With a web-based online credit repair software program, there are no maintenance fees or hardware costs, so you can focus on running your credit repair business without the stress and worry of overage charges. Since all you need is internet access, credit repair businesses can now offer their employees at home positions and allow for a flexible work environment within the company. In addition to the affordability of online credit repair software, web-based programs like TurboDispute’s, offers free updates that occur instantly over the web without interruption to your credit repair business.
In addition, TurboDispute provides you with an efficient payment system integration (Stripe and Authorize) that allows you to connect your CRM account to your own merchant gateway and charge your customers when you create an invoice. With a “Pay By Credit Card” button appearing on every invoice, your clients can pay their invoice via their web portal. (Simply sign on to stripe.com and signup for an account).
Where is the best place to monitor your credit? In order to purchase a home, buy a car, or obtain almost any kind of loan, you need good credit and history. Falling behind on credit card payments, making too many expensive purchases, opening multiple credit card accounts, filing for bankruptcy, not paying monthly bills, and other factors may cause your credit score to drop significantly. On the flip side, staying on top of credit card payments, paying bills right away, and paying off loans are a few of the ways you can build a fantastic credit score.

"Other than a simple misunderstanding with a recommendation to scoresense.com, my overall experience has been very good. This website helped my score immensely. Being a firefighter, I was embarrassed when trying to get a loan with such a poor credit score when it should have been much higher. Now I am much more confident when I walk into the bank for any reason. CreditRepair.com truly put credit monitoring and evaluation on my personal radar. Thank-you."
A dependable credit repair company, Credit-Aid claims its software can raise credit scores by up to 250 points, backing this promise with a 100% money-back guarantee. Customers get access to great features such as free credit reports, identity theft rescue tools, a financial diary, and other helpful tech. All this can be yours for a one-time payment.
Credit repair services: Credit repair services to help dispute and remove collections, late payments, bankruptcies, repossessions, duplicated accounts, junk debt buyers, short sale and foreclosures, incorrect personal info, inflated/expired debts, outdated information, judgments and charge-offs. In addition to credit repair services, Credit Assistance Network offers identity theft resolution and public records disputes.

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