What is the best Credit Repair Service?
{ Posted on May 02 2010 by admin }
felipe2121 asked:
I am looking for a Credit Repair Co. that is a bit smaller then the rest of all the major companies out there since i want personalized service at a resonable price, people who can actually help. If anyone knows of such a company, i would appreciate the help. Thanks
Alfred
I am looking for a Credit Repair Co. that is a bit smaller then the rest of all the major companies out there since i want personalized service at a resonable price, people who can actually help. If anyone knows of such a company, i would appreciate the help. Thanks
Alfred
Our aim is to show some of the common concerns and questions regarding credit repair, and hopefully some of the answers too. | 
The better business bureau and youll find what im telling you should check any of these firms out with the better business bureau and youll find what im telling you you should check any of these.
Dont pay anyone for things you can do yourself with a little research.
Your credit score (FICO) is what counts. It should be between 680-730 for excellent credit.
The score is based on these factors:
1. Late payments and accounts suspended due to nonpayment.
2. Your Income to Credit Ratio.
3. How many open-ended accounts you have, and are they max’d out, or do they have low balances.
4. How many inquiries have you had? Have you applied for 3 or 4 new loans in the past year?
So, if you have derogatory information on your credit report about non payment of late payment, you have to work harder to get these resolved. The creditor won’t just take them off your report. Example, if you had a “Charge-Off” for non-payment, a credit card company may change the comment to something more lenient.
Also, take a look at how much your monhly bills are, compared to your monthly income. If you’re barely making ends meet, your score will be lower.
How many open accounts do you have? This shows your current commitments. Too many could lower the score.
And inquiries as to new accounts, or potential new accounts. Asking for loans to pay off loans will hurt your credit.
This is a good all-in-one site:
You can fix your own credit. Get on a credit repair forum and do some research.
Pull credit reports and get to work.
None of them can repair your credit. All they CAN do and WILL do is insure that your credit file contains no errors which might be reducing your credit score. You can obtain a free copy of your credit report and do that yourself. If all the items in the report are accurate and the creditor verifies their accuracy, nothing will change.
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