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Where Can I Hire Someone To Help Fix Credit???

Submitted by bxchick1230 on Tue, 03/20/2012 - 11:31
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This is too overwhelming for me. My adhd and dyslexia is not helping me at all in understanding these papers and am driving myself crazy. I hardly understand my credit report, what to do, send, say. Is there anyone that I can hire that will look at my credit report and tell me what to do. Im trying to clean up my credit so that in a few years I can qualify for a mortgage or a car financing.


To qualify for a mortgage or a car financing, you will have to improve your credit score. You are required to repay your all dues and make all payments on time. Try to add positive information on your credit report. This will help you to improve your credit score gradually with time. Usually negative items remain on your credit report for 7 years from the date of your first default.


Submitted by Tyler on Tue, 03/20/2012 - 21:54

Tyler

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I have found so many places online and dont know any reputable companies. I have a bunch of smaller credit card debt from the past few years. Then there are my school loans that I defaulted but then was able to consolidate. But things appear a lot of time and there is so much info on each report that it is overwhelming. I want to be able to try to get them to delete things. My gap and old navy account appear as negative accounts and I dont know why. On my old navy acct I have a late payment reported once since 2006. My credit score is 587, and I'm scared of making it go lower because I dont know what I'm doing. I have a couple thousand from my tax return and I want to use it to clean up my credit but I want to do the best possible since I hear that they can report it certain ways that can make it worse.

lexington, skyblue, and innovative are ones I found online but I don't know if they're any good.


Submitted by bxchick1230 on Wed, 03/21/2012 - 07:47

bxchick1230

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My advice to you is to first and foremost....understand your credit report. And then tackle the negative remarks. If I may, go to your nearest United Way. They are amazingly helpful in this area....oddly enough. And they can help get some financial education/training as well. My other suggestion would be to find a local church and go sit down with the pastor.

Please do not give a credit repair company your credit report, time or money. There are too many online companies who will scam you. Try the above recommendation first.

Good luck


Submitted by Mmouze on Fri, 04/20/2012 - 03:13

Mmouze

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Hi,
There is nothing that a credit company can do which you cannot do it yourself. So, why would you waste your money? With that money, you can pay off some bills (if there are unpaid ones) and improve your credit score. Along with this, analyze your credit report and dispute negative items, if any. This will also help you improve your credit score.


Submitted by tiarajoseph11 on Sat, 04/21/2012 - 17:06

tiarajoseph11

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I just want to encourage you to not be afraid to fix your credit score yourself. In this way, you'll end up being very aware of what you should do to repair credit. As said above friends, you can ask friends who can help you and find out information via the internet or other sources. I believe, the result will be amazing.


Submitted by Sudarto on Tue, 04/24/2012 - 17:14

Sudarto

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