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What is the absolute best Credit Repair place?
- Thread starter badmouse
- Start date
DurocShark
Lifer
I want my score to magically go up 100 points. 😀
FoBoT
No Lifer
"credit repair"
the only thing that "repairs" credit is time and good credit habits
there is no magic bullet
if you haven't reviewed your credit report , you can do that yourself. then just write letters to any companies that have something on it that is wrong and tell them to fix/remove the wrong information
the only thing that "repairs" credit is time and good credit habits
there is no magic bullet
if you haven't reviewed your credit report , you can do that yourself. then just write letters to any companies that have something on it that is wrong and tell them to fix/remove the wrong information
The sordid story: ex-husband opened MANY credit accounts in my name, didn't pay, hid them (he was dating a greedy bimbo then). Agreed to pay them off in settlement. Paid some, didn't pay others, used more credit in the ones supposedly paid off. His business is doing really badly and the IRS (and NY/NJ tax offices) has frozen HIS accounts so he's been using my credit to try and stay afloat.
I don't want to put him in jail - decent relationship with the kids is a goal here - but I want to get the mess straightened out.
I'm about to get paid for about 3 months of work I did last year, and I want to use the money to make the best dent in the mess - don't want to just randomly pay stuff. Need advice.
I'm getting into mortgage lending, and we refer people who need to up their credit score to Veracity.
Basically, the legitimate services know the rules, and they will call up creditors who are in violation. For example, if there's a negative statement on your report, there are certain circumstances under which by law they must be removed, including a certain amount of time passing. But the creditors may not keep track of all that, so you can wind up showing a lower credit score than what it should be.
If you're worried about your credit rating, you need to be very careful which debts you pay off when, and you'll need somebody to advise you about that. For example, if you're about to purchase a home, and you've got a cell phone dispute dating back 5 years ago for 50 bucks, you're going to drop your credit score by paying the debt. Why? Because the biggest impact of financial activity is right after that activity occurs. What you've done by paying that bill now that you haven't paid for so long is to bring that back up to the surface so that it has just as much effect now as it did when the dispute first took place. That doesn't mean you shouldn't pay it, that just means you should buy the home first before your credit score takes a dive. Veracity can help you out with these tips and more though.
In your case, it sounds like a pretty sticky situation, and I don't know how you can get around filing for fraud and denying responsibility for the accounts. Unless you're just that nice of a person.
http://www.veracitycredit.com for details.
Basically, the legitimate services know the rules, and they will call up creditors who are in violation. For example, if there's a negative statement on your report, there are certain circumstances under which by law they must be removed, including a certain amount of time passing. But the creditors may not keep track of all that, so you can wind up showing a lower credit score than what it should be.
If you're worried about your credit rating, you need to be very careful which debts you pay off when, and you'll need somebody to advise you about that. For example, if you're about to purchase a home, and you've got a cell phone dispute dating back 5 years ago for 50 bucks, you're going to drop your credit score by paying the debt. Why? Because the biggest impact of financial activity is right after that activity occurs. What you've done by paying that bill now that you haven't paid for so long is to bring that back up to the surface so that it has just as much effect now as it did when the dispute first took place. That doesn't mean you shouldn't pay it, that just means you should buy the home first before your credit score takes a dive. Veracity can help you out with these tips and more though.
In your case, it sounds like a pretty sticky situation, and I don't know how you can get around filing for fraud and denying responsibility for the accounts. Unless you're just that nice of a person.
http://www.veracitycredit.com for details.
I feel really bad for your situation badmouse. It sounds like your ex-husband is using the children's relationship against you for his poor spending habits. There is no easy way out of it. All I can say is that the places that advertise to repair or eliminate your debt are no good. Also, if you pay that huge sum of money to clear your ex's mess then what's going to stop him from doing it in the future? You should put it all in a retirement account and let it grow so there will be something there in the future for you.
If you were close to the Baton Rouge, LA. area, you and your child/children would at least have a place to take a warm shower and eat a hot meal; no questions. My wife is extremely warm hearted.
Again, I'm truly sorry for your situation. If I knew you in person, I would kick your ex's ass; there is no excuse for that kind of behavior. If you would like someone to talk to offline, my wife stays home during the day. PM me if you want contact info.
EDIT-
To respond to your question on what to pay off first, www.bankrate.com has some good advice and calculators to help figure all that out. The only requirement is you need steady income to really be effective and financial discipline (which I'm sure you have out of circumstance).
If you were close to the Baton Rouge, LA. area, you and your child/children would at least have a place to take a warm shower and eat a hot meal; no questions. My wife is extremely warm hearted.
Again, I'm truly sorry for your situation. If I knew you in person, I would kick your ex's ass; there is no excuse for that kind of behavior. If you would like someone to talk to offline, my wife stays home during the day. PM me if you want contact info.
EDIT-
To respond to your question on what to pay off first, www.bankrate.com has some good advice and calculators to help figure all that out. The only requirement is you need steady income to really be effective and financial discipline (which I'm sure you have out of circumstance).
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