What or where can i find a free credit counseling agency to help me repair my credit?

Question

the ones that help are free but i dont know where to go to find them

Answer 1

(banging my head on the wall) I want to stay away from credit repair doctors...no one will ever have the vested interest in repairing your credit more than you will....so do it yourself !

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 2

Just because a CCCS company is free does not mean that they don't charge a fee.  You will find that they all charge a monthly fee to be in the program.

Answer 3

Just look up consumer credit counseling service in your area. You should request your free credit reports through annualcreditreport.com or call them toll free # 1-877-322-8228 for all 3 free reports.

Answer 4

if you need to repeair your credit its already ruined, just file bankruspy if you have at least 40k in debt if not, then you did it wrong. tisk tisk!