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 Posted: Mon Feb 18, 2008 7:30 pm Subject: Credit Repair Help |
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I have a few charge offs ranging from two to four years ago. I am getting ready to pay all of these off within the month. How will this affect my credit rating and is there a way that I can get them taken off my credit report after I have paid them off?
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brannonss
Joined: 18 Feb 2008
Posts: 1
Debtcc Points: 48
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| Posted: Tue Feb 19, 2008 7:07 am Subject: |
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You could request a pay for delete when negotiating settlements on these accounts. Always get it in writing!
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SOAPLADY
Moderator
Joined: 07 Feb 2007
Posts: 1266
Debtcc Points: 14502
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| Posted: Tue Feb 19, 2008 9:19 pm Subject: credit repair |
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The best way to repair your credit ( in my opionion..) is to do it yourself. Yes...their maybe good Credit Repair companies out there, but...it seems like ALOT of them charge to help you. Whatever you would pay a comapny, to 'repair' your credit, you probably could put that money toward your debt. Of course, everyone has their own preference on what they want to do.
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sdchargers_63
Joined: 08 Aug 2007
Posts: 1178
Debtcc Points: 11256
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| Posted: Thu Feb 21, 2008 10:10 pm Subject: |
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You couldn't have said it better sdcharhers. The FTC states very clearly that everyone should stay away from credit repair companies. That's what my site is all about.
Soaplady, will creditors really completely delete themselves from your credit reports as part of a negotiation for a pay off?
_________________
www.DiYCreditGuide.com
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smckaybiz
Joined: 19 Jan 2008
Posts: 87
Debtcc Points: 2146
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