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I just had a consultation and they told me it’d be $ 799 to remove my negative items. They are licensed and bonded by the state, BBB etc..reputable company. My sister keeps telling me to do it myself like she did. ***Sounds like I should do my own work on this..lol

5 Thoughts on Credit Repair. Worth it to do it yourself or pay someone?
  1. Reply
    Dom
    June 12, 2011 at 6:07 am

    Do it yourself. $ 799 to call the agencies to remove negative items? Is it guaranteed they will remove them? Nope.

    Do it yourself or else email me and I will call for you for $ 200.

  2. Reply
    Bob
    June 12, 2011 at 6:34 am

    What kind of license do they have? If it were that easy, everyone would pay a fee and nobody would have negative items, which means no one would have an accurate credit report and they would be worthless.

  3. Reply
    Scott N
    June 12, 2011 at 7:30 am

    I’ve had 30+ years experience in the credit and mortgage industry. Credit repair is generally considered a scam that preys on the uninformed. Anything they can do, you can. They do not perform some secret magic. Do your research check out the websites for the major credit agencies. They all allow you to dispute derogatory items. If the creditor does not answer or provide proof of the negative item within a certain number of days it must be deleted from your file. It’s the law and you can do it yourself.

  4. Reply
    bak889988
    June 12, 2011 at 8:04 am

    LOL. No way. Do it yourself. It will cost you 20 bucks tops. That is for sending out certified letters to the CRA’s. I just did it and had 5 neg removed from my report. The best way to do it is be specific as possible when disputing. I posted my method here http://www.creditforums.org/f13/got-my-results-today-disputes-346/#post768 It really works, and best of all it is free. No strings attached

  5. Reply
    Bill C
    June 12, 2011 at 8:17 am

    Total scam. You can do it yourself.

    First, get a copy of your credit report from each of the credit bureaus (TransUnion, Equifax, and Experian) which you can do for free once a year from the Federal Trade Commission’s web site http://www.annualcreditreport.com

    Then, make a note of any inaccurate information and then follow the instructions on each credit report on how to file a dispute. Make sure that you keep a copy of each letter you send to the credit bureaus.

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