Are there any SERIOUS credit Experts out there?

[izach26]

This site is Great for information, yet are there Personalized professionals, that will look at my personal report, line by line  and tell me where and what steps need to complete in order to reach 800. Not the common,-  pay down balances, dispute errors. A service\professional with a proven track record -  that will go over my report with me line by line, and give direct direction on how to maximize my score

Thanks 

[Anonymous]

What you are looking for is available here on this forum from the those with the most knowledge.  You'd have to provide detailed information of all your accounts (write it out, screenshots, whatever) but any number of people would be able to give you the answers you're looking for.

It really isn't all that complicated, though.  As you said, paying down balances big (1/3 of it) and while you said disputing errors I would revise that to removing negative items... that's another 1/3 of it.  That's 2/3 of the equation.  The rest is all pretty basic... don't open any new accounts or apply for credit unless it's needed and basically let time do its thing.

[FinStar]

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@izach26 wrote:

This site is Great for information, yet are there Personalized professionals, that will look at my personal report, line by line  and tell me where and what steps need to complete in order to reach 800. Not the common,-  pay down balances, dispute errors. A service\professional with a proven track record -  that will go over my report with me line by line, and give direct direction on how to maximize my score

Thanks 

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@izach26 - pretty much what @Anonymous mentioned above.  And, I'd like to think he's serious and professional.  He's been a tenured member for quite sometime so his experience is vast.  I'm not sure you can afford him, though 😆 j/k.

[Slabenstein]

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@izach26 wrote:

This site is Great for information, yet are there Personalized professionals, that will look at my personal report, line by line  and tell me where and what steps need to complete in order to reach 800. Not the common,-  pay down balances, dispute errors. A service\professional with a proven track record -  that will go over my report with me line by line, and give direct direction on how to maximize my score

Thanks 

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I think about the closest you could get to a legitimate organization that does what you're asking is a non-profit credit counseling service, but those are focused more on credit recovery than profile optimization.  I imagine there are business out there that would claim to do what you're asking, but I'd be wary of them since 1) FICO scoring algorithms are proprietary, so they can't know more about it than anyone else and 2) what people outside of FICO do know is available online for free.  It's also been my experience that financial services professionals in general are pretty ignorant of score mechanics, and best case scenario the advice you might get from one would be what you would read on Credit Karma.  If you want to raise your score, you can’t really do better than researching score mechanics yourself and asking the advice of the many knowledgeable posters on this forum.

[AverageJoesCredit]

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@izach26 wrote:

This site is Great for information, yet are there Personalized professionals, that will look at my personal report, line by line  and tell me where and what steps need to complete in order to reach 800. Not the common,-  pay down balances, dispute errors. A service\professional with a proven track record -  that will go over my report with me line by line, and give direct direction on how to maximize my score

Thanks 

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There's nothing a so called expert can give or say that cant be found here through not only common sense but actual experience through the vast experience by many members here.  Some of our Mods have years of experience and i would adhere to much of their advice being that their profiles prove it works. And its free. 

A person can achieve 800 scores simply by payingvtheir bills/ credit cards/ loans etc on time. Dont need 50 cards either. If you have questions about whats plaguing your profile, just post a question.  And there are actual experts here in regards to fico scoring or legalese in many different forums, some even legendary

[Mr_Mojo_Risin]

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@izach26 wrote:

This site is Great for information, yet are there Personalized professionals, that will look at my personal report, line by line  and tell me where and what steps need to complete in order to reach 800. Not the common,-  pay down balances, dispute errors. A service\professional with a proven track record -  that will go over my report with me line by line, and give direct direction on how to maximize my score

Thanks 

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Many members here have been doing what you're asking for. I've never come across more knowledgeable or helpful people with regards to credit/finance.

Lay down your stats and these good folks here will get you straightened out!

[Howaboutthat]

I just googled credit specialist and got a lot of hits, of course they all want $$ to advise you. 

I think you meant to ask for free credit specialists of which this site has many who are willing and able to help. 

[M_Smart007]

The so called experts .. are always glad to take your money,

but the one caveat >> nothing is guaranteed once paid.

The advice given on this forum is priceless.

[Anonymous]

Wish you could double-kudo things sometimes.  

[JeffMO]

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@M_Smart007 wrote:

The so called experts .. are always glad to take your money,

but the one caveat >> nothing is guaranteed once paid.

The advice given on this forum is priceless.

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^^^ priceless