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brandime

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Fixing bad credit
I have heard that there are some companies that are able to fix your credit for you by paying a fee. Has anyone else heard of this, if so does it work? Are there any downsides to using this option? If not, does loan consolidation work, and has anyone gone through the process?

I appreciate any advice, thank you :)

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Why pay money to "fix" your credit when you can do it yourself?  Beware kof companies that say they can "fix" credit because they are (1) expensive and (2) often unethical, asking you to do some things that my actually be illegal.  Some reports I have seen about these companies indicate they often do things that actually hurt you more, such as not making on-time payments.

Paying bills on time and getting usage of credit cards down (and this does NOT mean closing credit accounts).  For advice on getting bills paid off quickly, Google "Dave Ramsey" and check out his "baby steps" advice.

Getting the bad credit fixed is going to take time and  patience, and a bit of work on your part, but it's worth it.  I hope you have read the articles here on credit because they are quite helpful, too, and the topic of credit is what this site is all about.

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