Has anyone used a credit repair agency? Who did you use, and was it worth it?

Question

I am buying a home, and need to raise my credit score some before the house is completed. That'll take about 4 months.

Answer 1

You can dispute negative items yourself by ordering free copies of your credit reports and then sending dispute letters to each of the credit bureaus. However, if you are like most people and don't have the time to learn the applicable consumer credit laws or the time to experiment with the tactics for repairing your own credit, you can use one of the many legitimate credit repair organizations out there.

Lexington Law is the premier credit repair firm is the industry.  They have been around for almost 20 years and have helped over 500,000 people repair their credit. If you are still shopping for a credit repair service, make sure you at least give them a call to discuss your options.  The number on their site is 1-800-214-0922.

Answer 2

I've never used one but recently I took a class on finances and learned that these companies usually are either unable to raise your scores and will do things that you can do yourself or sometimes do illegal things.  There's no way to quickly raise your credit score.  It takes time.

Answer 3

Hello,

I've found some good information here too...

http://debt.knowledged.info/credit_card....

Hope that helps.

Answer 4

Everything they do, you can actually do yourself. Just order a free credit report, contact the creditors and repair your credit. The first step is to create a monthly budget, and set up payment plans with the creditors. Good luck.