My very best wishes for your success. When complete-all I ask in return is to remember me when you decide to buy the next home! or if it's a rental for awhile...972-907-0000 See the link below. Doris
Before you embark on a program, make sure they will repair your credit, not reduce your debt. Several companies offer to reduce your debt by changing your billing address to them, taking money from you to pay the bills, and then doing nothing but waiting for the companies to soften up after months of not being paid. When they're soft enough, the company pays a fraction of what is owed to settle the bills. The company makes a boatload of money off of this. The end-result is paid off accounts but your credit is ruined by months of non-payment.
Most reputable companies have you pull your credit report monthly and they dispute items that have lowered your score. The creditors who respond to the disputes stay on your credit report until you pay them off. Those that give up trying to collect, have their derogatory credit reports removed. Eventually your score jumps up. As you pay off and continue to pay on time, your credit score continues to climb. This is what a typical commercial repair service does and they charge from $200 to $1000 (sometimes more).
Consumer Credit Counseling Service is a free service that offers advice and works with creditors to get past collections paid off and removed, as well as reduce interest payments. They also can help prevent additional derogatories from creditors they are working with. Visit their website at http://www.cccs.net or you can ask through my profile and I will give the names of the commercial agencies I can recommend.
There are standards statues that must be followed in order to repair a credit. I would recommend for anyone to go thru credit repair 1st than ever filing bankruptcy. HOWEVER if your debt is less than 2 years old you are wasting money, if the collection is more than 2 years old the likely to have deleted from credit report is very good.
Most of our clients credit was repaired within 60-90 days from point the contract was signed per the State of Texas statues a credit repair companies has up to 6 months to work on positive results repairing your credit.
Be careful prior to signing any contract.
I do consultanting for $150 per half hour contact my office if I can assist
There are many companies that will take your money and do nothing. I have been in the Real Estate business for 15 years and I can say that I have found a company that does a great job! I do not work for them or get paid from any referrals as well. I just know that I have had several friends and clients use them and they have truly worked out credit that I thought could not be corrected. Feel free to contact them and get your own idea as to whether or not you would like to use them. Their company name is United Credit Source and their number is 214-440-3735 Daniel Rodrique
Please check out our powerpage on the front of our website!
Read this free e-book about credit before you hire anyone to do it for you. Seriously, regardless of their sales pitch, they cannot do as much as you can.