26 People Helped
Member Since: November 2013
I tried Lexington Law and I've tried Skyblue. I was with both for about six months seeing very slow progress. Then I tried Creditmergency, not sure if you guys have heard but apparently they are very good at what they do. I've been with them for about two months or so and have seen my credit score rise about 60 points. Not bad.
sahelio's response was:
The first step to financial freedom is to hire a credit repair company. There are many things that do not need paying. Now granted, I had a few accounts removed thanks to Creditmergency but there was some that I had to pay. I learned a lot about financial responsibility and my quality of life could not be better. I am debt free :)
sahelio's reply was:
Credit scores do not care about the actual loan balance. That is called installment credit. Now revolving credit (credit cards) do care how much of a limit you have versus how much you owe. But when it comes to like car loans, or mortgage, the actual dollar amount and what you pay down your debt with won't reflect the score. You should look for any notifications to see if something might have affected it. If that doesnt work, try a credit repair company, Creditmergency does free consultations, they can run your credit and tell you what is going on
Even though now its a closed account and its labeled as paid, you still might want to remove it because it does some sort of negative impact
If you have your cards maxed out and you pay them down to 10% utilization, I don't see why not. You may want to consult with someone about this, Creditmergency has a free consultation they can probably help you out
you need someone to review your credit report and to talk to you about your goals ultimately. creditmergency has an eBook that gives you a way you can skyrocket the score
It is very important that you find a credit repair company even before deciding to pay. Many hospitals have bad accounting records. I had Creditmergency remove almost 11k in medical bills last year.
They all use basic templates to send these letters. Terrible. I had success with Creditmergency
You have rights, if something isn't yours, it isn't yours. Hire a company like Creditmergency who can write these letters for you, to have them investigate and see if the debt is really yours. Or, you can do this yourself, the problem is that most people do not have the time to write back and forth with creditors.
Call a reliable credit repair company who can give you a free consultation. I think you might have errors on your report, they can pull up your report and start working on it right away. There are too many factors to tell you why it hasnt moved. Maybe you need to open new accounts? Maybe you have revolving credit accounts open but not installment credit open, Creditmergency is a company who does free consultations, check with them