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CATGIRL79

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credit repair companies

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Are you asking if they can do anything for you? Assuming that's the question, be careful with any company that promises to repair your credit. They can't remove anything permanently if it's accurate information. If there are things on your report that shouldn't be there, such as an account that should have aged off, accounts that you never had, etc., then they could help with that, but then again you don't need them to file a dispute with the bureaus. Cut out the middle man and do it yourself. 
One thing they do that makes people happy and gets them to fork over money is simply dispute every derogatory item on the reports. This is a temporary fix. Your score will go up while the bureaus investigate for a couple weeks, but this temporary increase is pretty much useless. Any new accounts that are opened during this time are in danger of being closed when the creditor does a soft pull in the near future and discovers the deception.

I wouldn't give a credit repair company a dime. Make all payments on time from now on, negotiate payments with anyone you owe money to so it doesn't go to collections, and watch your credit utilization. That will help you more than any credit repair company could.

Top Contributor
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Go read up

I recommend you read an ebook Creditmergency has available on their website. It will give you insight on what you can do right now to better your credit and more importantly maintain a good score. If you have a bunch of errors and problems you should hire them, if not, just read, it never hurts

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