Best credit repair website?

Question

anyone know of a good website to remove negative items on a credit report?

Answer 1

I believe she was asking for a reputable company. Most people are aware by now that you can rix your credit yourself. However like any other service if you choose a reputable company your paying for the convience and expirence. People hire cleaning services  and lawn services for their homes not becuase they cant do it themselves but because they dont want to and trust that a company with expirence will do it for you. Most often since they have expirence the job will get done faster and more effiently. So of course you can do it yourself but if you can afford to hire someone else why not save yourself the time and energy.

Answer 2

Creditinfocenter.com has some excellent pages on credit repair and rebuilding, but their forums are rather subpar due to some not so knowledgeable posters that frequent that board.

Creditboards.com and Debtorboards.com have far superior discussion forums, but Creditinfocenter.com has a better page layout.  

Answer 3

Good grief people...repair your credit yourself! No one has as much vested interest in repairing your credit history as you do.

1 - If you haven't already get current copies of your credit reports from the 3 major bureaus (Equifax, Experian and Transunion)

2 - Take a photocopy of each and put the originals in a binder

3 - Get a highlighter and highlight any account that is negative (collections, written off, older than 7 yrs, etc...)

4 - Any inactive account that is older than 7 yrs should not be deleted from your report. Download a dispute letter from the credit bureaus website(s) and fill in the details

5 - For collection/overdue items, if they are greater than 7 yrs dispute them as well

6- If there are still valid debts, you need to contact the creditor and negotiate a 'pay for delete' in addition to a payment plan if you cannot pay in full. If they start hounding you send them a 'cease and dessist' letter stating they may only contact you in writing.

7 - Do not apply for any credit while you are doing this or for the next year (ideally 2)

8 - If you currently have any credit card or loan balances, pay them off or at least pay them down to bring them current

9 - If you need a credit card, get a secured card from Capital One for $500 (or more if you can)....use it sparingly for like only $25-50 and pay in full and on time every other month or so to establish good re-payment history.

A little patience and 2-3 months, you'll be on your way.

Answer 4

Legitimate derogatory items stay on your credit report for 7 years.  There is not special letter or magic formula to get them removed early.

Before you sign on to some of the credit repair sites and companies, read this:  http://www.ftc.gov/bcp/conline/pubs/cred...

Answer 5

Hello there!

I would recommend you to visit this site :http://www.creditrepairbiz.com/

They would surely help you on your credit problems.

Good day!