creditrepair.com

[bonnie&clyde]

Anyone ever used them or a company like them to help clean up your credit?

[Big A]

Yeah, the one that really helped me was www.dontbuyshityoucantafford.com.

[Sean88gt]

Yeah, the one that really helped me was www.dontbuyshityoucantafford.com.

Site links to a support group for displaced oil field workers.

[bonnie&clyde]

Never have but I got 1 account that went to collections after I moved, they kept sending my shit to my old house

[Rick Modena]

Most of those places are scams. Go to Experian's website and pay for your three scores and reports. And negotiate with the creditors you owe money too. Don't DISPUTE anything on there, only if they really aren't your debts or very old ones and then tell them to remove them, again DON'T DISPUTE! There's another thread here with some very good info, I suggest you look it up, it might be the mortgage thread.

[Rick Modena]

Site links to a support group for displaced oil field workers.

lmfao!

[Gasser64]

Site links to a support group for displaced oil field workers.

Such truth in this post. I have a friend struggling like hell right now because he is a displaced oilfield worker.

[Sean88gt]

Such truth in this post. I have a friend struggling like hell right now because he is a displaced oilfield worker.

My favorite, was a friend from undergrad with her giant fake tits, courtesy of $100/bbl oil, asking for prayers because they had just bought a new house, a new suv, a new truck, a new toy hauler, and some toys to fill it with, and her husband was laid off.

[bonnie&clyde]

Pics of said friend

[Sean88gt]

Most of those places are scams. Go to Experian's website and pay for your three scores and reports. And negotiate with the creditors you owe money too. Don't DISPUTE anything on there, only if they really aren't your debts or very old ones and then tell them to remove them, again DON'T DISPUTE! There's another thread here with some very good info, I suggest you look it up, it might be the mortgage thread.

And why not? Debt could be valid, but once beyond the statute of limitations, it is likely cheaper and more efficient to dispute.

[Rick Modena]

And why not? Debt could be valid, but once beyond the statute of limitations, it is likely cheaper and more efficient to dispute.

I did put that in there, Red. I highlighted it for you in case you missed it.

[Sean88gt]

I did put that in there, Red. I highlighted it for you in case you missed it.

Very old = 4 years in Texas

[Rick Modena]

Very old = 4 years in Texas

Ahh, thanks for the info. Now post pics of those fake tits you were talking about?

[chronical]

Most of those places are scams. Go to Experian's website and pay for your three scores and reports. And negotiate with the creditors you owe money too. Don't DISPUTE anything on there, only if they really aren't your debts or very old ones and then tell them to remove them, again DON'T DISPUTE! There's another thread here with some very good info, I suggest you look it up, it might be the mortgage thread.

This is bad advice

Don't buy scores off of Experians site. Buy them at Myfico.com.

Don't pay for your reports of you haven't received your annual free report. If you have already received your free reports, buy them form each bureau directly.

If by negotiate with creditors you mean collections and charge offs, a paid collection or charge off dings your score the same as unpaid collections and charge offs. You should only pay if they put in writing that they will delete the entire trade line from all 4 bureaus and never sell or reinstate

You should dispute in writing. Do not dispute as "not mine". That part is correct. But compare all three reports and find the discrepancies between them and dispute those inaccuracies.

[8mpg]

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