Is there a rapid credit repair company ?

Question

me and my husband both have really bad credit due to not paying small credit card bills when we were both younger , and also due to alot of inquires that wont expire till next year or so , all of our collections are paid in full and we have no negative accounts ,, and yet his credit score hasnt raised in the past year. he has a 516, 540, 532... we jus want to be able to qualify to use the v.a to buy a home .

Answer 1

To be honest, in my experience it mainly takes time.  You must pay your bills on time, don't ever let your checking account become overdrawn, don't buy anything more on credit but don't close any credit accounts you do have and then simply wait.  After enough time has passed with you paying all your bills on time every month, your credit score will go up.  I know where you're at though.  We had problems and I'm still trying to get the score up.  It's been five years and it has gone up, but only about 150 points so far.  We're still under 700.  I will be so glad if it ever manages to make it to 800!

Answer 2

It takes some time to clean up your credit, doesn't happen overnight or even in a month. Don't use a service, do a little research and do it yourself. You can do it all yourself and be more effective.