3 Thoughts on Is Hargrave and Associates credit repair a scam?
  1. Reply
    June 21, 2011 at 1:20 pm

    The majority of these places are not that they are scam artists, but it is a waste of your money. Lets say you owe $ 40,000.00 and then they will attempt to negotiate with your credit card people to lower your outstanding balances (everything can be negotiated except school loan amounts.) So every month you now send them $ 100.00 and they in turn will pay off your creditors, but here is the kicker. Some of that money is used for there services and these credit repair places are notorious for not making the consumers payment and they find themselves in a bigger problem. If I were you I would negotiate with any outstanding creditor myself. Look it up online you will find a million articles on how to do it (what I did last year.)

  2. Reply
    M G
    June 21, 2011 at 2:15 pm

    How To Repair Credit

    Start by getting copies of
    your credit reports. You
    have a right to free reports.
    You are allowed one a year
    from each of the bureaus:
    Transunion, or Equifax.

    “Why get a credit report?”
    Several people asked.

    It describes what needs
    repairing. Check off any
    information that’s incorrect.
    Start making telephone calls,
    writing letters, or take the
    necessary steps to get it

    The full post is on my blog.

  3. Reply
    June 21, 2011 at 2:20 pm

    Accurate negative info stays on your credit files….No firm has special “inside” information to clear accurate negative info. There is, however, one trick that “may” help to remove negatives from your credit files. You don’t have to pay anyone to do this….you can do this yourself.

    Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) within 30 days or remove them from your credit file.

    Mail a letter to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver’s license and social security card…If you don’t include these, they may write back requesting them, which would slow the process down by several weeks. In your letter, simply state:

    Per the Fair Credit Reporting Act, I am requesting written validation of this item.
    Do this one at a time for each negative entry….DO NOT request validation for all items at one time.

    There is NO guarantee that this will work….It may give some decent results. The worst that can happen is that all negative items come back verified.

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