Credit Check Facts

Question by pink_me: Can we possibly repair our own credit "legally"?
This is my first time to undergo credit repair and I am having assistance from the ECR Team. Basically they want to aid me in rebuilding my credit on my own, Im just afraid of their term "legally"...can you say something about what you think of their service http://www.ezcreditrepairsolutions.com
or suggest a resource for me.

thanks

Best answer:

Answer by clarity
I personally would be wary about any company that performs this "service." You'd be much better off going through credit counseling.

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Question by nkksx1: if a lawyer cannot "repair my credit", then what can a lawyer do in regards to my credit?

Best answer:

Answer by bmwdriver11
Well, it depends. If the negative things on your credit are accurate, there really isnt anything they can do.
If there are mistakes on your credit, and the creditor is unwilling to fix, they can send a letter to the creditor stating that they need to fix the mistake immediately, or that you will be filing suit under the Fair Collections Act. But thats it- they really cannot help you with factual, correct items. Only mistakes.

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Question by Megan B: Can we possibly repair our own credit "legally"?
This is my first time to undergo credit repair and I am having assistance from the ECR Team. Basically they want to aid me in rebuilding my credit on my own, Im just afraid of their term "legally"...can you say something about what you think of their service http://www.ezcreditrepairsolutions.com

Best answer:

Answer by Al Mac Wheel
Here's how I souped up my credit, legally.

I figured out that I could afford to pay off a loan in the amount of $ 200.00 a month. I borrowed money in which the contract said I was to pay off $ 100.00 a month & would have less interest if I paid it off faster. I paid $ 150.00 or more every month until it was paid off.

Wow, they were impressed.

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Question by trixibel: How can you "repair bad credit"? or dispute items on your report??
If you owe it- you owe it. How can these companies "legally" repair your credit?? I am confused?? i went to a website that says they send dispute letters...How can you dispute an account you owe?? How does this work?

Best answer:

Answer by SWA
?

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Question by ☮Lightening☮: Do those "credit repair" places really increase credit scores?
are they legit, and if yes, do they help much at all? How long do they take to do whatever theyre going to do ?

Best answer:

Answer by vineo76
no, pay who you owe, thats the best way.

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