sahelio

25 Contributions 26 People Helped Top Contributor

Member Since: November 2013

Most Helpful Contribution

REPUTABLE CREDIT REPAIR COMPANIES???

Jun 29, 2016
I tried them all
Helpful to 10 out of 11 people

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. 

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REPUTABLE CREDIT REPAIR COMPANIES???

Jun 29, 2016
I tried them all
Helpful to 10 out of 11 people

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. 

If I pay off a collection account will my credit score improve?

Oct 15, 2016
Helpful to 2 out of 2 people

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 :) 

why did my credit decreased -16

Oct 15, 2016
Seek guidance
Helpful to 2 out of 2 people

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

Once accounts are paid to collection agency how long before it is updated on the report?

Oct 15, 2016
It still hurts your credit
Helpful to 9 out of 13 people

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 

Is it possible to increase a credit score by about 100 in less than 30 days?

Aug 19, 2016
Yes its possible
Helpful to 1 out of 1 people

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 

My credit been the same for 5 years why haven't it moved up?

Jul 06, 2016
consult an expert
Helpful to 1 out of 1 people

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

Do medical bills go against your credit?

Oct 15, 2016
Helpful to 1 out of 2 people

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. 

Has anyone used Sky Blue Credit Repair?

Oct 27, 2016
Tried LL and Skyblue

They all use basic templates to send these letters. Terrible. I had success with Creditmergency

How can I take something off my credit report that isn't mine?

Oct 15, 2016
Dispute dispute dispute

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. 

why is my score not rising

Aug 01, 2016
Check for errors on the report

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 

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