company that assists in repair

[Anonymous]

I am looking at a company that says they can get you to 720. I really don't owe alot. I have a few collections and 2 lines of credit that are small loans. I have been trying to get a house and they say get the score up and one said that I need to add another credit line. My middle score is 530. Please help before I fork out money for a program that I can do myself.

[Anonymous]

Why would you consider a credit repair service???...especially if you say you don't owe a lot...I don't think NO ONE can get you to a 720 from a 530 in a short time frame...so why waste the money..post you collections account with details..to see can be done for you...you should always try SUPER hard..and read a lot..to try and do it yourself...

[cobra19]

This sounds more like one of those companies that sells tl's. For $ XX, you become an AU of someone else's tl. Perfectly legal and legit. This method of increasing ones score has been available for quite a few years now.

Am I advocating it? No - but to each his/her own.

[Anonymous]

If you haven't already, pull all 3 reports.

You get a free one from each CRA every 12 months at www.annualcreditreport.com

Look them over with a close eye for any mistakes.

For collections/charge-offs you want to know DOFD, DOLA, and SOL for your state.

Find SOL here - http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8

Newbie Guide with useful links - http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=38534

Ask any questions you have.

[Anonymous]

they say they will help you with collections, inquiries, and they help you get a revolving credit line of $1000.00.

[Anonymous]

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angiesanchez wrote:

they say they will help you with collections, inquiries, and they help you get a revolving credit line of $1000.00.

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Trying to get legit inquiries removed is not allowed.

As for collections, you can do that yourself.

You can also get yourself a revolving line of credit of $1000. Get a secured CC, deposit $1000 on it, there ya go.

Or, you could apply for a Crown Jewelers card, never heard of anyone getting approved for anything but $1500 and no credit check. You do have to buy before they report, they only report to TU and EX, and you have to make a small down payment on each purchase.