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Valued Contributor
p-
Posts: 2,633
Registered: ‎06-05-2008
0

Re: Rising Point Solutions (Credit Repair)

More forum advice about Credit Repair companies;  Some people had limited success.  It's worth looking at first.  Happy reading:

 

 

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/credit-repair-companies/m-p/1588250/highlight...

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Repair-Scam-Help/m-p/1020654/highlight...

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-repair-costing-me/m-p/2194163/high...

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/A-Trusted-Credit-repair-Svc/m-p/2114447/highli...

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Repair/m-p/2112493/highlight/true#M266...

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scores-Down/m-p/2004749/highlight/true#M7...

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Repair-companies/m-p/1949027/highlight/...

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Any-suggestions-will-be-greatly-appreciated/m...

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Just-Started-using-a-credit-repair-company/m-...

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Paying-Collections-Yay-or-nay/m-p/1875681/hig...

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/New-Credit-Karma-Article/m-p/1864277/highlight...

 

http://blog.creditkarma.com/credit-101/credit-scores/diy-credit-repair-how-to-spot-a-credit-repair-s...

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/Debt-Free-Hells-Angels/m-p/809814/highlight/tr...

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Lexington-Law/m-p/806844/highlight/true#M...

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Suggestions-Tips-Advice-Regarding-Lexington-L...

 

http://ficoforums.myfico.com/t5/Credit-in-the-News/FTC-Issues-Report-of-2009-Top-Consumer-Complaints...

 

 

 

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

New Contributor
jamiii
Posts: 54
Registered: ‎08-03-2009
0

Re: Rising Point Solutions (Credit Repair)


p- wrote:

jamiii wrote:  Again, p-, no I'm not looking for anyone to justify an action.  I am asking for advice from someone who has experience with this company or a company like this.  Please don't jump to conclusions (again) as to what I am asking or looking for.  Especially when I spelled it out pretty clearly.  So if you don't have something to add re: this or another credit repair company, perhaps you would be better served moving along to another thread.

I understand what you were asking.  You want to know if anyone here has had success with rising point, and if it's worth a couple of hundred on a gamble that they might help you.  Like Guinness said, if you've done all of the work yourself and it dead-ends, no pay service can do better.  This knowledge is based on testimonials by hundreds of people here with direct personal experience.  We, the community, answer your question with a "No".

 

The thing about advice forums is you get a lot of opinions from a lot of people.  At the end of the day it's your choice whether to follow that advice.

 

Maybe it's worth a couple hundred dollars of your money so that the rest of us can learn from your experience.  Go ahead, spend it if you want, and let us know how it works out for you.  If it does work, I'm sure several of us will follow suit.  If not, you'll have spent a small amount to learn a valuable lesson.

 

Good luck.


Well, you did not answer the question initially.  You decided to give me a laundry list of DV, PFD, etc. etc. which I had clearly stated I has already done and found success, hence the large score increase I have seen over that past year. 

 

Also, I didn't realize that your single opinion equals this "community".  I have received multiple PM's from users telling me how successful companies were in getting results for them.  As a matter of fact, I have not recieved one negative review via PM.  Only you and Guinness.  Guinness expressed an opinion and I heard and  respect that.  You on the other hand got on your soapbox and decided to lecture.

 

 

Valued Contributor
p-
Posts: 2,633
Registered: ‎06-05-2008
0

Re: Rising Point Solutions (Credit Repair)


jamiii wrote: I have received multiple PM's from users telling me how successful companies were in getting results for them.  As a matter of fact, I have not recieved one negative review via PM.   

Sounds like you've decided.  Let us know how it goes.  Good luck; let me know if you want to borrow my soapbox.

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

New Contributor
jamiii
Posts: 54
Registered: ‎08-03-2009
0

Re: Rising Point Solutions (Credit Repair)


p- wrote:

jamiii wrote: I have received multiple PM's from users telling me how successful companies were in getting results for them.  As a matter of fact, I have not recieved one negative review via PM.   

Sounds like you've decided.  Let us know how it goes.  Good luck; let me know if you want to borrow my soapbox.


 

There you go making assumptions again......

 

 

As for your soapbox, no thanks.  It doesn't seem that you'd have the time to spare it regardless.

 

 

Senior Contributor
DaBears
Posts: 3,930
Registered: ‎10-26-2012
0

Re: Rising Point Solutions (Credit Repair)

1st and last warning. There is a nice feature you can use to ignore users. It does come in handy.

 

 

Community Leader, 

 

DaBears

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: Rising Point Solutions (Credit Repair)


DaBears wrote:

1st and last warning. There is a nice feature you can use to ignore users. It does come in handy.

 

 

Community Leader, 

 

DaBears


+1

 

I think the advice was great. OP, all the companies are the same. Try signing up for a couple of them and see how it plays out. I can't share my experiences since I never used any of them. I can only tell you the cons of what I read on here but that info is laid out pretty well.

 

Word of caution and you likely know this already: if you use this or any service like that your lender will likely deny your loan. Give yourself more than a few months to let the dispute comments clear and to recover from any negative FICO impact due to removed TLs.

 

 

Valued Contributor
p-
Posts: 2,633
Registered: ‎06-05-2008
0

Re: Rising Point Solutions (Credit Repair)


DaBears wrote:... There is a nice feature you can use to ignore users....

That would take all the fun out of it....

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

Valued Contributor
rckstrscott
Posts: 2,660
Registered: ‎04-25-2011
0

Re: Rising Point Solutions (Credit Repair)

[ Edited ]

jamiii wrote:

p- wrote:

jamiii wrote: I have received multiple PM's from users telling me how successful companies were in getting results for them.  As a matter of fact, I have not recieved one negative review via PM.   

Sounds like you've decided.  Let us know how it goes.  Good luck; let me know if you want to borrow my soapbox.


 

There you go making assumptions again......

 

 

As for your soapbox, no thanks.  It doesn't seem that you'd have the time to spare it regardless.

 

 


Without caring about the personal feelings on this thread, I think Guiness made the best post of all.. his post hits the nail on the head...

 

A credit repair org will not get people over the hump, in my opinion.

 

They can get you moving to start.. they can dispute inaccurate information for you, they can handle the creampuff ones.. but the hard ones? The ones that take clever thinking, clever disputing, clever efforts? They just legally cannot do that.. there are a wide range of things credit repair agencies simply cannot do for you, and are barred from doing for you, by law. Any form of direct disputing they cannot do. Plus they don't really have the UMPH behind any goodwilling because they are a third party and they remove the personal element.

 

I wish you well on your journey. You did a lot on your own. I think hiring anyone is wasting money; and that is my opinion, not the communities.

 

Cheers!

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
New Contributor
jamiii
Posts: 54
Registered: ‎08-03-2009
0

Re: Rising Point Solutions (Credit Repair)

1 1/2 months in and they have already been successful having 3 entries deleted.  Per myFico credit reports, I'm seeing a 30 to 50 point bump depending on the CRA.  And that's after an increase in my CC util after a vacation.  (Paid off the vacation spending yesterday but won't report for a couple of week so hopefully I'll see another decent bump soon)

 

These were all 3 entries that I had previously worked on without success.

 

 

New Contributor
jamiii
Posts: 54
Registered: ‎08-03-2009
0

Re: Rising Point Solutions (Credit Repair)

Found out today that I got a CO knocked off all 3 reports.  I was hoping this process would help firm up my scores above 640 for an FHA but now I've got 680 in sight.

 

 

 


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