4 Thoughts on Has anyone ever used a credit repair company and if so do they clearout foreclosures?
  1. Reply
    Scott C
    July 24, 2011 at 2:18 am

    Credit Repair companies cannot guarantee to fix VALID entries on your credit report. They show you how to get old and inaccurate information off your report. The other thing they do is tell you to dispute all negative entries and hope the merchant does not respond to the OSCAR inquiry in a timely manner which gets the tradeline removed. If the foreclosure is valid, I doubt you can get it removed because it is part of public records.

  2. Reply
    July 24, 2011 at 2:55 am

    Yes, I used a company and I had my foreclosure removed off all three credit bureaus.

    I had to pay off my debts to make it permanent, they said, so i did.

    It took almost 8 months of contstant disputing, but they were able to remove everything.

    People think that it should happen overnight, it doesn’t.

    You have to keep disputing until the source stops verifying it.

    The company was called credit assistance network and they are in florida.

    Good luck.

  3. Reply
    July 24, 2011 at 3:45 am

    I have not. I can tell you that it is illegal to alter valid credit information. If the foreclosure is legit, then it can not be erased from your credit report until the time it is supposed to fall off the report. Please investigate the company and read up on some credit repairing sites which are free before you give money to people who cannot do what they said they can do. If you do decide to go with a credit repair group get the agreement terms in writing. The amount you are paying specifically goes to what within this timeframe.

  4. Reply
    July 24, 2011 at 4:26 am

    If the foreclosure was valid, there is no legal way for them to have it removed from your credit report. If you pay the people originally involved off, then they can report that to the credit bureau and have it noted. Credit repair companies simply do what their name implies – help you “fix” your credit report if it contains incorrect information. Even then it could take months.

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