using a company to help with my credit

[Anonymous]

my question is i started with 65 collections mostly medical bills over last 4 or 5 months they have gotten 37 negatives removed when i check on ck it showes there removed but on that same ck website you can look at your past years and see what was against you does the banks and ccc do the same or are they not allowed to do this.thanks started in low 500 across board highest is 650 

[Anonymous]

im really having great luck with a company help me with my credit but im new to this am i missing something or is this frowned upon

[Anonymous]

I'll leave the rest of your question up for somebody else to answer, but as for the score, CK uses FAKO (Vantage instead of FICO) for score numbers, which most lenders don't use. Log in to MyFico or CreditCheck Total to get your true FICO 8 scores.

[Anonymous]

Are you doing a debt consolidation?

[rmduhon]

Just a heads up, your posts will probably be combined.

[Anonymous]

Im not really sure what your asking to be honest. But if you question is Will the banks and credit card companies be able to see things that have already fallen off of your report  then the answer is no. Once its off they cant see it. Credit Karma keeps a records of all your reports so you can backtrack if need be and for data I'm assuming. If you were to apply for a credit card lets say today they would run your credit and check your current report. They do not have the ability to check past reports. So basically if it has already fallen off they wont be able to see it. Only whats currently on there. I hope that answers your question.

[Anonymous]

Perfect thank you

[Anonymous]

Many will tell you it's not worth it.  Why?  Because all they are doing is disputing the negative items on your credit report.  This is something you can do yourself through each of the bureaus.  Whether you send the dispute or someone sends it on your behalf, the process is the same:

- CRA sends a notice to each company on your credit report which you are disputing

- The company must confirm whether the debt is valid in regards to whatever reason you have selected for the dispute

- If the company cannot validate or misses the deadline date, the item is removed from your credit report

Some people prefer to just throw money at the problem and have someone else handle the disputing - this works but not any better than if you had done it for free yourself.  I personally would prefer to dispute everything myself and then use the money I saved to pay down the legitimate debts on my credit report

[Anonymous]

yes has been very secessful for me 62 baddies removed so far 15 to go 10 months so far

[Anonymous]

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@Anonymous wrote:

yes has been very secessful for me 62 baddies removed so far 15 to go 10 months so far

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Always a chance that they could come back and that money went down the drain. Dv