I guess my only question is: reviewing your scores, it appears that you've made quite a bit of progress. Clearly you've done something right, and I assume you did it yourself? If so, why spend $100/mo now to have someone do what you are capable of doing yourself?
The folks here are so knowledgeable, and I have yet to see anyone pose a question that someone here couldn't either answer or direct the person to the answer. I just don't see it as a worthwhile investment.
Starting Score: 529 EQ | 551 TU | 614 EX | 579 TU FAKO as of 1/12/14
Everything they could do, you could do yourself. I did it; fixed errors, contacted collection agencies, disputed bills, made payment for deletion letters ect. This is a great place for advice and we share our experiences; successes and failures without judgement. My score was 622 in Aug, by Nov. my score was 790. You can do it; start by getting your free reports and going over them with a fine tooth comb; getting the numbers and contacting any creditors, make arrangements. It is possible.
I don't think it's a "bad decision" at all, and I would never say anything like that.
Having done a lot of work over the past 2 months (almost), I can honestly say that it has taken me no more than 15 minutes a day, maybe 3-4 days a week. The only thing that took longer was clearing up my lien (but BOY was it worth it! No credit repair agency could have fixed that for me anyway). I probably spent a total of 3 hours over a course of about 2 weeks getting rid of the lien, but not only will it come off of my report, I also got a full refund plus interest.
I have a full time job, I volunteer 30 hrs a week, and I'm a full time student. So I totally understand when you simply don't have the time to do the work. And if that's the case, then go for it. But I think a lot of this stuff takes less time than people realize. A phone call here, letter there, and a whole lot of waiting. That was my experience.
Whatever you decide, best wishes to you.
Thanks to everyone for the advice! I guess I was being a little lazy and wanted someone to do everything for me. I think what I will do is try to do it myself. After I receive my responses or come across any issues, I will post in the forums for some guidance. That way I can take the $100 and put it towards something else......lol
@Sonic98 wrote:I want to try one of these agencies if they can help, but the up front and monthly cost is too much for something that can't be even semi-guaranteed and can be a slow, money-draining process. If they had a free month, option to not pay until after the first deletion, or a money back option; I'd be more willing.
But I did find this. I don't know if anyone agrees, and I've seen a few people on here say they had success with Blue Sky. They all just charge so much, and I've done some disputing on my own; though I haven't tried any written disputes, PFDs, or Goodwills
Modcut
Im with SkyBlue just started and my initial disputes etc are going out. 90day guarantee or full refund sounds good to me lol Modcut
Im literally the biggest procrastinator ever. I started looking to repair my credit 03/2013 through a local guy. Then decided i can do this myself...11months later i didnt do anything.
60$ month is less than i spend on drinks every other night or coffee a week or lunch for myself and gf. Figure its better money spent for me personally.
I was thinking of canceling...however I know I wont follow through.im glad I didnt. I got an email this morning letting me know that something was deleted!!!!
