violetfire09

How do student loans figure into this? I'm $43,000 in debt due to student loans.

I decided to go with a credit repair company before I had to declare bankruptcy. They were mostly ineffective. They only helped to remove one derogatory, untrue item from my record.

At that time, I dumped them and started writing my own letters. I even wrote them by hand. This seems odd, but I wanted the credit company reviewers to know that the letters actually came from me. Back when I had the consulting company, I did get a letter from one of the bureaus asking me if I was actually writing to them, or if I had a company doing it. Ouch!

When I started writing my own letters, things changed a lot. I had the derogatory, untrue items mostly removed. This took my credit up about 100 points, and lowered what they claimed that I owed.

I still had to declare bankruptcy over medical bills, however I learned an important lesson. There is no reason, with truth, sincerity, and a little research, why the determined person cannot be more effective than a company.