credit repair 740 plus

[Anonymous]

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

[Anonymous]

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?

[Anonymous]

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,

[Anonymous]

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

[Anonymous]

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 ,

[Anonymous]

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.

[Anonymous]

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.

[Anonymous]

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

[Anonymous]

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, 

[cjane1]

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.