Has anyone ever used a credit repair service? - YorkieTalk.com Forums

cindy0721 · 07-17-2006, 06:18 AM

I was curious to see if this works? I am going through a bunch of fraud accounts and am having the hardest time getting them off of my name ...any ideas?

vainchick5 · 07-17-2006, 07:41 AM

I'm going through the same thing

So I can use some advice too

candybaby · 07-17-2006, 07:46 AM

I don't really have any advise, but I heard that a credit repair company cannot charge you money although they all do. It's illegal for them to do that because all the major, i.e. Experian, Trans union, Equifax do it for free. Although the major companies are free they are so hard to work with because you dispute it they take it off, then next month it's back on there. My boyfriend is going through that problem right now.

Anybody with any advise please help!!!!

Shadow · 07-17-2006, 07:50 AM

Stop these places are a big rip off!!!!!! All they do is send a letter to the credit reporting people (which you can do yourself) Cleaning up your credit takes time.We payed one 450.00 and they wrote a letter. Whopee. What a freakin joke . My husbands credit was shot when we first got married 5 years ago, know it's great. Just takes time.
You can go on their website( transunion, experian and can't think of the other one right at the moment) Oh equifax. lol and dispute charges online. Good luck.

candybaby · 07-17-2006, 07:57 AM

Quote:

Originally Posted by Shadow

Stop these places are a big rip off!!!!!! All they do is send a letter to the credit reporting people (which you can do yourself) Cleaning up your credit takes time.We payed one 450.00 and they wrote a letter. Whopee. What a freakin joke . My husbands credit was shot when we first got married 5 years ago, know it's great. Just takes time.
You can go on their website( transunion, experian and can't think of the other one right at the moment) Oh equifax. lol and dispute charges online. Good luck.

I agree big rip off's

cindy0721 · 07-17-2006, 10:32 AM

Quote:

Originally Posted by Shadow

Stop these places are a big rip off!!!!!! All they do is send a letter to the credit reporting people (which you can do yourself) Cleaning up your credit takes time.We payed one 450.00 and they wrote a letter. Whopee. What a freakin joke . My husbands credit was shot when we first got married 5 years ago, know it's great. Just takes time.
You can go on their website( transunion, experian and can't think of the other one right at the moment) Oh equifax. lol and dispute charges online. Good luck.

I did all of that.. most of them are off except one and well now I am trying to get some credit since I WAS trying to buy a house and nobody will approve me not even for $5.00 ..lol... any ideas where I can apply????? AHHHHHHHH

07-17-2006, 06:18 AM	#1
cindy0721 Always In My Heart Donating Member Join Date: Aug 2005 Location: The Lone Star State Posts: 3,393	Has anyone ever used a credit repair service? I was curious to see if this works? I am going through a bunch of fraud accounts and am having the hardest time getting them off of my name ...any ideas? __________________ Cindy & Gizmo Gizmo on Dogster *Rest in peace My Madda* *very much*

07-17-2006, 07:41 AM	#2
vainchick5 YT 6000 Club Member Join Date: May 2005 Location: CA Posts: 6,588	I'm going through the same thing So I can use some advice too __________________ Mommy to Coco and Rocco

07-17-2006, 07:46 AM	#3
candybaby Donating Senior Yorkie Talker Join Date: Jun 2006 Location: N. California Posts: 1,316	I don't really have any advise, but I heard that a credit repair company cannot charge you money although they all do. It's illegal for them to do that because all the major, i.e. Experian, Trans union, Equifax do it for free. Although the major companies are free they are so hard to work with because you dispute it they take it off, then next month it's back on there. My boyfriend is going through that problem right now. Anybody with any advise please help!!!! __________________ Candee, Bear, Daizy (in spirit, R.I.P) and Pepsi's mommy

07-17-2006, 07:50 AM	#4
Shadow No Longer a Member Join Date: Jul 2005 Location: California Posts: 5,368	Stop these places are a big rip off!!!!!! All they do is send a letter to the credit reporting people (which you can do yourself) Cleaning up your credit takes time.We payed one 450.00 and they wrote a letter. Whopee. What a freakin joke . My husbands credit was shot when we first got married 5 years ago, know it's great. Just takes time. You can go on their website( transunion, experian and can't think of the other one right at the moment) Oh equifax. lol and dispute charges online. Good luck.