I don't want to recommend any credit repair service due to rules of the forum, but this is what I will say:
1) you can do all or most of what they can do
2) they do not negotiate payments as in PFD
3) it is a lengthy process just as if you were to do it yourself
In my case, I do not have the time and mental fortitude to continue to write and call, write and call, then write again. As someone said, we get into this mess and should do the work to get out. My response is, I did the work by paying every last cent of what I owed. If I am financially able, I am fully justified in asking a company to help me.
Honestly, these folks are not rocket scientists. If you research enough, you will definitely have more basic knowledge then the ave. CSR. That being said, it has to be something you are comfortable with. I think LL is better than most, but they aren't your savior or anything. To me, getting help here is equally time consuming. And my time is worth more than what I pay them! So really, YMMV...for now, I'm good, but that may change in a month or two....I will keep you updated!
Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760Take the FICO Fitness ChallengeCurrent Score: 800
Goal Score: 850
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