I cannot believe how shady debt collection is. Duplicating/selling collections and reporting and changing DOLA and DOFD's is rampant!

I've successfully pulled up all 3 my scores over 200 points over the last year and a half. 100 of those points were done with the help of a credit repair agency, and the other 100 were done by me fully once I started researching and gleaning information from these forums! I fired that credit repair agency once I learned from these forums. Why pay them when I can do it for myself and use that money on bills and getting control of my credit!?

I'm glad I took over!