do credit repair companies work?

Anything that a "credit repair company" can do, you can do yourself. It may not happen overnight, but with a little work, some reading, you can do exactly what they do - and without their cost.

Thats one of the reasons why sites like this exist. To help you out.

What specifically are you looking to do?

have you pulled your credit reports and reviewed for factual and correct information? That's usually the first step to starting your credit repair.

We're all here to help, what's your goal?

Hi Shayla... I'm kind of wondering the same thing as Tameika. I've actually paid my debt off already, but I have charge offs on my credit report. I talked to a lawyer and he said I could call up the creditors and try to negotiate with them to delete them by paying them. I'm not really sure who I need to call at the credit card companies and what kind of verbage I need to use to get a good outcome. Could you help?

Also, I'd like to try to negotiate the collection accounts off my report... How would I go about doing that?

hello, 'Chere".....my advice ( from personal experience, anyway..) is to check your Credir Report and see when the SOL ( Statue of Limitations) is up, on this certian debt. Also.......on each debt you have, it will state, on the CR when the 'drop-off' date is. If this 'charge-off' is recent, you may just want to talk to the creditor. If the 'charge-off' is pretty old, you may just want to wait until it 'falls off.' In some states ( maybe all of them..) if you 'restart' an old debt, the SOL starts over. Does this make sense? I hope this advice helps.

The charge offs are all recent. And the debts are paid, so it wouldn't be me restarting an old debt because it's already paid. I want to negotiate that the "CO" tradelines are dropped off and replaced with a positive rating. My lawyer told me to negotiate with them and offer them money, if I needed to, in exchange for a positive rating... I'm just not really clear on what the best thing to say to them to negotiate this.

Also, is there a way to get the collection accounts removed?