Should I Use A Credit Repair Company To Clean My Credit Report?
Reader’s Question
Hi Ryan,
I just got married last month and we still living at my mom’s. We tried to buy a house but my wife’s credit is so screwed that the interest rates were astronomical. We’ve been looking for a good credit repair company but all seem to be rip-offs or have poor results. The reason I write you is to see if you know the people at [website removed]. Sounds good to me but before expending that kind of money I’d like to have some more info, referrals.. something If they keep up their promises it might be a good deal.
Thank you for you input.
Response
Hi [name removed] -
Thanks for contacting me. I do not recommend anyone use debt settlement companies or so-called, “credit repair” companies. I will tell you right now: most of them will rip you off and you will end up in a bigger mess than before. The thing to remember is that these companies do not possess the ability to magically “fix” your credit. That is, everything that they can do, you can do just as easy –for free! I recommend that you fix your credit report on your own by tackling one thing at a time. It takes time, but I assure you that using one of these rip-off companies will not speed up the process. Use the internet and my blog as a resource to further your credit knowledge and I am certain you can do this on your own. You won’t regret it. Also, start by reading the “My Mistakes” series on my blog –that is a good place to start.
Best,
Ryan
[ratings]
3 Responses to “Should I Use A Credit Repair Company To Clean My Credit Report?”
By Carl on Apr 14, 2009 | Reply
Hi, I am in the same situation I have a couple of credit card defaults and collections in my credit reports from years ago when I was in college. The same accounts are listed more than once, it looks like I have 6 different unpaid things some of them recent when it’s really only two credit cards five years ago. I have no idea how to fix this mess so I’m going to pay somebody to do it for me. After a week looking everywhere I found one company that seems to be different bcrconsulting.us
Would you please give me your opinion about this people? What’s the catch? they are the only ones not asking for money until my reports are fixed.
By Biortericiere on Jun 11, 2009 | Reply
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