Where is a ligitimate place to clean up your credit report? all the sites on the web cost alot o f money.?

Question

and im not sure if they are really what they say they are. is there a REAL company out there that can help. I live in Washington State.

Answer 1

You don't need to pay anyone for what you can do yourself for free .....just follow the simple process below. It just needs a little patience.

1. Order your credit reports from the 3 bureaus

www.equifax.com

www.experian.com

www.transunion.com

If you're ordering for the first time, get your score (for a fee) from Equifax as their scoring matters most.

2. Make copies of your report and put the originals in a binder. On the photocopied reports use a highlighter and check for any incorrect, outdate, false, etc...info

3. Download a dispute letter(s) from the credit bureaus website and list anything that is wrong. Mail them to their office(s). They have 30 days to reply.

4. If they will not remove something that is not yours or too old (> 7 years) as them for a debt validation. This may take an additional 30 days.

5. Once the 'baddies' come off, take care not to let any of your other accounts fall into that predicament.

6. If you haven't already make sure your existing accounts are current and paid on time ALWAYS.

7. Get a secured credit card with www.capitalone.com or www.mastercard.com for like $500-1000 or more if you can and use it sparingly. Charge like $50 on the card each month and pay it in FULL and on TIME. Make sure you do this for a minimum of 6 months so that you estabish a positive repayment history.

8. Problem with just letting them (collections) 'fall off' is that they may never. You may get sued before that...that's where you suddenly get a summons to appear in court and a judgment for collection against you.

For collection items...pay them but get a 'pay for delete' from the collection agency in WRITING...they'll delete it after you pay and it will help your credit score.

Answer 2

To raise your credit score you need to do two things:

1 - add positive things to your credit records.  Such as paying your bills on time!

2 - Remove negative things from your records.  These may be mistakes made by the credit report companies or bills you haven’t paid!

If your problems aren’t too bad or too complicated than you can do this yourself.  This review site gives you e-books to explain the process and guide you through it:

<>http://www.onlinebestinformation.com/cre...

if your problem is complex - or you just don’t have the time or patience to do it yourself then you will want to use a credit repair company.  This review site will guide you to the three best companies to use:

<>http://www.onlinebestinformation.com/cre...

Good Luck!

Answer 3

You can do that by writing to all 3 credit reporting agencies. You can find each one  on-line, or, actually, if you only write to one, they notify the others.  Experian is one of them.

Answer 4

Hey, you can try the steps my husband and I used, it helped us!  We did exactly what the book said to do and followed the step by step instructions!

Answer 5

There is no company that can clean up your credit.  You have to do it like everyone else.  It takes time and you following the rules about paying bills on time, keeping balances low, and not being sparatice with opening or closing a large amount of accounts during a short period of time.

This is why credit sucks.

Answer 6

Debt consolidation services are the best way to go. They don't charge you an arm and a leg, and in the end, it will prove to be a much better financial benefit than filing for Chapter 13 Bankruptcy. I will send you a link for a Christian debt consolidation company who is not just out to make a dollar. To Christians, resolving your debt is an important part of staying spiritually fit, and they are more than happy to help. Hope everything works out for you. http://www.christiandebtconsolidation.or...