 | Please help. I am hoping someone can advice me on some good credit repair companies/attorneys.? |
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Question: Please help. I am hoping someone can advice me on some good credit repair companies/attorneys.?I have just returned to the country after working overseas and gotten my credit report. It is awful. There are mistakes and perhaps a few things that are correct. All were based on emergency surgery I had with no health insurance. My story may be worse than some and better than others. Regardless, I need help getting it corrected. I know that there are many companies out there, some that are good and some that are not. I am hoping there are some individuals who can guide me towards the good ones. Any advice would be greatly appreciated.
Answer: -First regarding the mistakes. Just dispute those directly with the 3 big credit bureaus. If you pulled your reports, they should have info on how to dispute them on the reports. They'll contact the creditors and ask them to prove they are legitimate and correct. If not, off they go.Second, I would not recommend credit repair companies period. For any unpaid debts that are legitimate, contact whoever holds the debt now. That too should be on your credit report. Tell them your story and and work out a deal. Maybe they'll take less than owed. However, never and I mean NEVER pay one penny to them unless you have it in writing exactly what you are supposed to pay and when, and when the debt will be considered paid and reported to the credit bureaus that way. -There is no such thing as a "credit repair" company.The BEST thing to do is to contact the 3 credit reporting agencies,and file YOUR OWN dispute.
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