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A credit repair company will do what your doing but charges you to do it.
You can do it yourself. I went from 500s to 700s in the last 12 months getting told things can't be removed over and over. It just takes time, persistance, and patience. It won't change over night and you may get tired and frustrated but gradually it will start working and it will pay off. It's easier said than done but trust me...it works.
I definitely would not recommend it. I foolishly hired a credit repair company. I did more in 2 days than they did in two months and $150 later. Major regret!
No it's a total waste of money that you could be spending paying down debt. 90% of credit problems can be fixed by reading through the posts here.
I asked my coworker who was swimming in debt before going through an agency to repair his credit. He told me it was a waste of money and had he of known how easy it was to fix these things he wouldnn't have done it.
I think it's more for the lazy people that don't want to do the work.
Best credit repair company is right here on the forums. And its free! Start a thread and lists all the baddies and we can see what we can do to help you out.
@Anonymous wrote:You can do it yourself. I went from 500s to 700s in the last 12 months getting told things can't be removed over and over. It just takes time, persistance, and patience. It won't change over night and you may get tired and frustrated but gradually it will start working and it will pay off. It's easier said than done but trust me...it works.
What specifically did you do to get the stubborn ones removed? I have a medical one that won't give up, no mater what I do it seems, and they have a policy against PFD.