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One method is to challenge things on ones credit report, another is to challenge the creditors to show the debt is mine or valid, I want to do both.

6 Thoughts on Cleaning up credit, can someone recommend a company that is aggressive and affordable?
  1. Reply
    OSCAR
    November 6, 2012 at 3:07 pm

    You can easily do this yourself without paying the fees charged by the companies you speak of.
    However, challenging things that are rightfully there can itself work against you.

  2. Reply
    NervXT
    November 6, 2012 at 4:04 pm

    You can actually do this yourself and not pay someone.
    It doesn’t matter what company you go to, they all preach that they know everything and can be aggressive, but honestly, they can only do the same thing you can do.
    Challenge the debt. Legally, they have 30 days to respond to this challenge saying it’s valid. If they don’t, they have to legally take it off your credit report. Ta-Dah!
    If you do challenge and they validate it, well…that’s that, you’ll have to deal with it. The people you’d hire would do the exact same thing and get the same exact results, just do it yourself.

  3. Reply
    Chris A
    November 6, 2012 at 4:51 pm

    Read this. You can pay me later.

  4. Reply
    gardenoflia
    November 6, 2012 at 5:35 pm

    So do both. You can do all this yourself. Most credit repair companies ruin your credit.
    Get your free credit report. Write letters to all three reporting companies, challenging the obvious mistakes you see or things you have paid off. Use debt-stacking to pay off credit cards and debts (pay off one with smallest balance first, and then add that amount to the next credit card, etc.) As these are being paid off, write to the credit reporting companies and tell them to show them being paid off. Meanwhile, maybe you can transfer some cards to zero-intrest cards, if you get those offers in the mail.
    Do you have a house? Can you refi-and roll the debt into the new mortgage? Then, its deductible. Or get home equity loan at 5%, pay off 22% credit cards. Don’t use credit cards any more. Create an emergency fund for yourself, so you don’t have to rely on credit cards in the future, if something bad happens. 3-6 months of earnings, is the rule.
    When you pay down credit cards, don’t close account. That ruins credit score also. Keep one or tow open, and pay them off each month!

    You’ll save thousands in interest, and you don’t have to pay anyone to do it for you.

  5. Reply
    afzal
    November 6, 2012 at 5:43 pm

    I think you are much better off going through a reputable company that has experience of negotiating debt and has a relationship with the creditors. There are some compaies that can do a free debt analysis and then advise you on the best actions to take. Wishing you luck!

  6. Reply
    InternationalTodd
    November 6, 2012 at 6:32 pm

    You poor B_st_rd, no one really gave you the answer you asked for.
    I do not know one either, but you should open the yellow pages, find some law firms and start finding ones that specialize in debt collections or credit repair.
    One of those Buzzards will help you, of course it will probably cost about 500 dollars for a year of service.
    Do not pay much in advance, this way if your not getting service, you fire them and find someone else. If you already paid for a year of service, they do not care if you fire them or not, and some of them will do very little for you, or a poor job with what they do!

    I see your in Beijing and can not do a letter campaign yourself, to bad no one else saw this.

    I wish you a happy ending!

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