Reputable credit repair company?

[HighGoals]

I am looking for a reputable credit repair company to work on my credit. I know that so can do everything they can do but I would rather leave it to them and it would save me a lot of time that I honestly do not have.

Can anyone tell me of any companies that actually work?

[Anonymous]

I’m not sure that there are any.

What kind of “repair” are you looking to do? Unfortunately, there is no magic company that can get rid of legitimate derogatory marks on a credit report. Most of these companies just start disputing stuff, and while some of the derogatory accounts may disappear during this dispute process, they simply show back up later.

Honestly, if you have extra $$ to throw around, use it to pay off any debts you may have and make some actual progress on cleaning up your reports.

[KJinNC]

Board rules restrict what we can say about credit repair companies here (except saying that they don't work is ok I guess). Bear in mind that this board is owned by the company behind FICO scoring. I would look elsewhere for this information. Good luck!

[thornback]

Per forum guidelines:

https://ficoforums.myfico.com/t5/User-Guidelines-General/FICO-FORUMS-CREDIT-REPAIR-DISCUSSION-GUIDEL...

Should you decide in the future to forgo spending your money on a "credit repair co." and do the work yourself, we'll be happy to assist. Good luck!!

[Jnbmom]

"Credit repair company" and reputable doesn't belong in the same sentence. You can do this yourself , and yes i takes some time but it is well worth it.

[Medic981]

OP, as you have noted, there is nothing, absolutely nothing, that a "credit repair company" can do that you can't do for yourself. 

Perhaps you don't want to spend the time to improve your credit yourself. However, when you work on repairing your own credit report and learn the ins and outs of what makes credit work you be less likely to make the mistakes that got you where you are today.

This forum is full of individuals who have experienced what you are going through and are eager and willing to help you at no cost to you. Take advantage of the collective wisdom of this forum and you will be in a better position financially for it.

Remember, Rome wasn't built in a day and neither will repairing your credit. Any "credit repair company" promising you such isn't to be trusted in the first place. 

You can do this! Welcome to the MyFICO Forums! 

[AllZero]

Any money spent on said credit repair company would be better applied to any debt owed.

There's alot of success stories here. Many members willing to provide free advise unless you want to pay us with kudos which we'll happily accept.

[OmarGB9]

As everyone has said, there is no such thing as a "reputable" credit repair company, and even if there was, it isn't allowed to be discussed on here. You may not have the time/want to invest the time, but I think it'd be well worth it to MAKE time to fix your credit, because to be honest, those companies could end up hurting your credit more than helping it. Not only that, but they purposely drag their feet on providing their "services" every month in order to keep collecting a fee from you.

[silver_idle]

Dont bother with any "credit repair" company. To me, I feel they are just a rip off. You can do all that yourself for free and would likely get faster (and likely better) results than if you used one. Furthermore, if you have the money, just work on paying your debt (if any), including doing PFD (Pay for deletion), settlements, etc., submit GW letters to creditors and CA for them to do adjustments, removal, etc. Its better than wasting money on these companies when you could use that money on yourself. You also have this forum that has great advice on what you can do, what not to do, and how you can proceed to rebuild your credit and really be able to get an understanding of how credit really works (which these "credit repair" companies usually fail to educate their clients about credit).

[glockrunner]

Please take my advice and what others have said. I am one of the idiots that thought a CR company can do better then me. It was a total waste of time and money that I will regret for a long time. Wasted 9 months and $$$. I actually got more removed myself in 2 disputes than 2 companies did in 6. And the 2 that were removed during their disputes were only because the CRA deleted for Early Exclusion.
Save your money and time! listen to the great people on this board for advise.
I would be a lot further along doing things myself. Most disputes will ALWAYS come back verified without anything changing. I know, I've seen it for a long time. I think my scores stalled due to disputing. Be careful. Maybe GW letters will get more results. Good Luck!