I would not recommend using “credit cleaning” agencies.

ANYONE can do the things that they charge money for. One of my best friends was almost bankrupt a few years ago. Her credit scores were in the 500s.

She had some terrible issues with medical collections in particular, and then found this forum: http://www.creditboards.com/forums/

She told me that a poster called WhyChat has a whole “process” for getting medical collections removed. She followed it and it allegedly worked. Well, it must have because she bought a house in Austin, TX last year and had no problems.

She did everything that the posters advised and she tells me her credit scores jumped back into the 700s within 4-6 months.

I have visited this forum myself and followed some of the tips – obtain your credit reports, update addresses, opt out, dispute inaccuracies, etc. That alone took one of my credit scores from 725 to 780.

SO….the moral of my story is: dont pay some shyster to do this for you. Take charge of your own credit. It’s actually satisfying to get errors fixed and clean things up.

I would not recommend using “credit cleaning” agencies.

ANYONE can do the things that they charge money for. One of my best friends was almost bankrupt a few years ago. Her credit scores were in the 500s.

She had some terrible issues with medical collections in particular, and then found this forum: http://www.creditboards.com/forums/

She told me that a poster called WhyChat has a whole “process” for getting medical collections removed. She followed it and it allegedly worked. Well, it must have because she bought a house in Austin, TX last year and had no problems.

She did everything that the posters advised and she tells me her credit scores jumped back into the 700s within 4-6 months.

I have visited this forum myself and followed some of the tips – obtain your credit reports, update addresses, opt out, dispute inaccuracies, etc. That alone took one of my credit scores from 725 to 780.

SO….the moral of my story is: dont pay some shyster to do this for you. Take charge of your own credit. It’s actually satisfying to get errors fixed and clean things up.

I would not recommend using “credit cleaning” agencies.

ANYONE can do the things that they charge money for. One of my best friends was almost bankrupt a few years ago. Her credit scores were in the 500s.

She had some terrible issues with medical collections in particular, and then found this forum: http://www.creditboards.com/forums/

She told me that a poster called WhyChat has a whole “process” for getting medical collections removed. She followed it and it allegedly worked. Well, it must have because she bought a house in Austin, TX last year and had no problems.

She did everything that the posters advised and she tells me her credit scores jumped back into the 700s within 4-6 months.

I have visited this forum myself and followed some of the tips – obtain your credit reports, update addresses, opt out, dispute inaccuracies, etc. That alone took one of my credit scores from 725 to 780.

SO….the moral of my story is: dont pay some shyster to do this for you. Take charge of your own credit. It’s actually satisfying to get errors fixed and clean things up.

Agreed all these credit repair agencies are scams and ripoffs.

Waste of money anyone can do this for free using the fair credit debt collection laws on the books.

Agreed all these credit repair agencies are scams and ripoffs.

Waste of money anyone can do this for free using the fair credit debt collection laws on the books.

Agreed all these credit repair agencies are scams and ripoffs.

Waste of money anyone can do this for free using the fair credit debt collection laws on the books.

Agreed all these credit repair agencies are scams and ripoffs.

Waste of money anyone can do this for free using the fair credit debt collection laws on the books.