topic Re: credit repair 740 plus in Rebuilding Your Credit

credit repair 740 plus

Anonymous — Sun, 14 May 2017 03:13:32 GMT

i have some collection and late payment on my report and my scores

EX 642 EQ 638 TU 640

last year i was find credit repair company sky blue and they charged me almost $500 with almost not change anything,

i just find another credit repair company 740 plus: i just talked with him about my collection and late payments,

i decide to start with most important items for 2016 and 2015.2014

he will charge my for just remove finget hot 30 days late ,$1500

and remove the other 3 small collection medical bill, and ATT $500

and his not charge me any penny till this item removed from my report,

i have to pay him $2000 for all these items after job done if got positive result,

my question is anybody have experience with this coompany

and is this right i am doing ?

thanks for time and help

Re: credit repair 740 plus

Anonymous — Sun, 14 May 2017 04:39:03 GMT

To be honest. The same thing that your going to pay $2k for you can do on your own for free. Why would you pay that kind of money when there is a possibility of it being a verified debt and getting put back on your CR in a few months. There is a wealth of information of the forums here read up and do it yourself. Have you tried a PFD with the creditor?

Re: credit repair 740 plus

Anonymous — Sun, 14 May 2017 05:07:01 GMT

already try it none of the collection dont accept PFD at all, they just reporting PAY IN FULL , which not going to help,

fingerhut drop my score 45 point at that time and the most inportant is this one and need to fix , which i can"t do just by send PFD letter which they don"t accept.

and also just send disput letter not working ,

i know its expensive but its worth it and don"t have any better option,

Re: credit repair 740 plus

Anonymous — Sun, 14 May 2017 05:30:04 GMT

But they are not going to be able to delete it. Are they guaranteeing this for 2k. Use that money to pay off your debts and get secured credit

Re: credit repair 740 plus

Anonymous — Sun, 14 May 2017 06:21:58 GMT

i don"t need credit card(4 unsecure and 1 secured) already have more than 5, i need to remove it for approve the mortage loan.

they send letter for me to sign : for paying them $1500 for removing fingerhut 30 days late from credit report,

and paying $500 for remove the 3 collection EOS (2 small medical bill, and 1ATT bill about $600).

his not charge anything ,untill see the positive result which would be delete from my report.

i know its not easy delete 30 days late fingerhut, i just saw his reveiw on yelp , 5star ,

Re: credit repair 740 plus

Anonymous — Sun, 14 May 2017 06:30:39 GMT

Anyone can manufacture a 5 star yelp review search his name on my Fico.
You believe him but didn't u believe the first company as well. You are paying him 2000 to submit a dispute. You do realize that right.

You can pay the me bills and dispute for hippa and have them removed it all here for free.

Best of luck

But it is your money.

Re: credit repair 740 plus

Anonymous — Sun, 14 May 2017 06:33:37 GMT

So the fee is $1500 For one 30 day late being removed and another $600 To remove 3 collection accounts which combined are worth $2100 If you just decided to pay the collections and PAY OFF the active fingerhut account? $2k for a guaranteed payed in full along with an active account showing $0 Is a better deal to me personally than having one 30 day late removed and a handful of collections. NOW, on the other hand, if this company will agree to $600 For removing 3 collections GUranteed, then I would probably do that one. $1500 For a 30 day late is too much though.

Re: credit repair 740 plus

Anonymous — Sun, 14 May 2017 06:34:41 GMT

I just saw the part where he will charge u nothing until it's done.

Until it's all done?
Do they accept you money then promise to give it back? Or do u truly not pay nothing

Re: credit repair 740 plus

Anonymous — Sun, 14 May 2017 07:00:34 GMT

I do not pay anything until his delete it from my report , after that i have to send check to him. his attorney and not doing any dispute, he said my strategy not send dispute letter ,( because you want buy house dispute showing on report and lender don"t want see that) instead working by settle or ....

i remeber when i was working with sky blue credit repair, 4 to 5 dispute showing in my report.

i called to my all collection agency and none of them accept to delete,

Re: credit repair 740 plus

cjane1 — Sun, 14 May 2017 23:22:34 GMT

There are OC & CA that don't do PFD. There is always hope, paying them and doing a GW can possibly get them removed. I had luck with AFNI, I PIF then did a GW and was taken off within the same week. There is too much help on here to pay something you can do. TRY here first before putting out so much money.

Re: credit repair 740 plus

Anonymous — Sun, 14 May 2017 23:39:46 GMT

I have 5 collection and 3 late payment
I paid my fingerhut last year and sen GW LETTER , they never responded and call do many time and they told me there is no way we can delete your late payment (30 days ).
Already try and don't want waste my time again , GW letter didn't work for me but you was lucky , and I made mistake and now I have to pay for my credit .damage ,

Re: credit repair 740 plus

rmduhon — Mon, 15 May 2017 03:06:01 GMT

Personally, I'd rather waste my time then waste my money. The credit repair companies can't do anything different than what you can do. But it's your choice.

Re: credit repair 740 plus

Anonymous — Tue, 16 May 2017 03:20:23 GMT

update:

i just talk with the guy on 740 plus credit repair company about getting discount and he said:

The best I can do is 1000 for Fingerhut if it does NOT take a lawsuit to get the deletion.

If it takes a lawsuit then I cannot discount it.

Re: credit repair 740 plus

Anonymous — Wed, 17 May 2017 20:27:55 GMT

Re: credit repair 740 plus

‎05-15-2017 08:20 PM

update:

i just talk with the guy on 740 plus credit repair company about getting discount and he said:

The best I can do is 1000 for Fingerhut if it does NOT take a lawsuit to get the deletion.

If it takes a lawsuit then I cannot discount it.

Are you really this desperate??? You can't possibly expect change overnight think about it before you make a rash decision that will leave you in a bigger situation then you're in now. Personally I wouldn't trust anyone that says they can get me to 740 if I pay them $1000-$2000.

This is ludacris........

Re: credit repair 740 plus

Anonymous — Wed, 17 May 2017 21:06:33 GMT

Thanks for comment .
My scores on all agency around 640.
I have plan for buy house , lender already run my credit and he mentioned about my collection and negative item need to remove ,
I have 4 collection and 2 late payment 30 days and 3 month ,
i don't trust to credit company too
But they don't charge me until collection or negative item been removed .
If I did not have plan for buy house , no interest to fix my credit . But now I don't have any other choice to do it . ( or wait 5 to 7 years )
Iam not paying monthly fix payment like other credit repair company, just paying when collection delete from my report.

Re: credit repair 740 plus

Anonymous — Thu, 18 May 2017 00:00:51 GMT

Find a different lender. 640 is enough to get mortgages. Your lender is the wrong lender for you.

Re: credit repair 740 plus

Anonymous — Thu, 18 May 2017 00:54:23 GMT

It's not lender , every lender after see your score is Qualified and look in all your credit report , and there is no way get you mortgage loan with 4 collection and 2 late payment
And they told me you have to remove some collection off of my report .

Re: credit repair 740 plus

Anonymous — Thu, 18 May 2017 00:57:12 GMT

Yeah except there are people who get mortgages with 590 FICO scores. And 610 FICO scores. Your lender, or the type of loan you want, is the problem here.

Go to the Mortgage Loans sub here and read the massive thread on who got their loans this month. Lots of people with lower scores than yours, with more collections, etc.

Re: credit repair 740 plus

Anonymous — Thu, 18 May 2017 08:02:50 GMT

Everything...price wise is relative, in all fairness
To say a barber can't or shouldn't charge $30 bucks for a haircut because
a) the guy across town only gets $12.50 or
b) cause one 'might' be able to give himself a satisfactory haircut is bush league.

People 'over pay' gardeners to cut grass and painters to paint rooms they could have painted themselves...

The big difference is
a) does one WANT to DO the work &
b) is one COMFORTABLE and CONFIDENT that they can indeed do as GOOD a job as
the barber
the painter
the Gardner
the tax preparer

Bottom line...to TELL another man/woman that they should NOT pay for the services that another party might be more expert and professional at can be very dangerous....

People pay accountants and CPAs to prepare tax forms that can done EXACTLY the same way by ANYBODY
There are no special laws in either tax law or credit reporting law or implications that ANY private citizen couldn't use on their own ...

However, that doesn't mean every citizen is going to be comfortable DOING the work, during the process especially when things happen other than what ' instructions' says

Now, in this case it may be that the OP may need more help than another and fees paid my be appropriate for dealing with said client....

Also looks like the company the OP is using is bent on using attorneys, and with attorneys come attorney pricing vs paralegal next to the donut shop pricing

You can't go the iMax theater on Friday date night time and cry that it cost more than Tuesday afternoon Senior citizen matinee time

Re: credit repair 740 plus

Anonymous — Thu, 18 May 2017 12:37:01 GMT

I am learning that if he can do it. You can do it yourself also. Learn the law.