Comments on: The 5 Biggest Mistakes People Make in Repairing Their Credit

By: Tempestt

Tempestt — Wed, 08 Jun 2011 14:50:06 +0000

Hi my name is Tempestt me and my husband combined debt is about 5,000 we are tryng to buy a home in the next 6 months and I need advice about wether to hire a proffesional to settle these debts or if I should try to do it myself and how much time it will take.

By: mike

mike — Fri, 06 May 2011 00:42:29 +0000

This web site is really opening my eyes to the ways that we can beat ourselves by playing checkers while the creditors play chess.

this stuff is great. I have been using Lexington Law(not getting paid to say this) for almost six months and I upped my score enough to get a home loan. I had 38 negative items and most were removed in my favor because of greed and ignorance on the part of collectors.
Repeat after me: I will learn about debt validation and keep track of everything. The credit reporting agency is so biased they want to give me a bad score!!!
By keeping excellent records I was able to prove out and out lies, stupidity, DumbKoffinkin!!!! and it”s even better when you can point out it was they who made the stupidoink please remove gracias me teeny braindiggerstrom!!

Never assumne a contactor is the responsible person in a debt collection. Every debtor has the right to know wwho the money is owed to.! Don’t pay a nickle until you establish credentials. When they can’t satisfy your understandably pessimistic nature( from five years in Somolia selling encyclopedias on credit to 2% employed).
Well, I made mistakes but Lexington backed me up & went from low 500′s to high 600′s.
Thank you.

By: Jonathan

Jonathan — Wed, 27 Apr 2011 17:39:09 +0000

I am curently and have been a Credit Analyst for over ten years. The fact of the matter is that some accounts are better off disputed online while others that require additional documention to be attached are obviousely required to be physically sent. Noone can say that one way is better or more effective without a thorough analysis of the 3 reports. You can view all 3 online by visiting http://www.annualcreditreport.com and no credit card information is required. (credit Scores NOT provided).

By: T

Sun, 24 Apr 2011 09:41:08 +0000

My husband died in 2008 and I lost my house and was also unable to pay his CC debts. My name is not on the house deed but I am being dunned for that debt too. Some of the cards were taken in my name but all purchases were for items used in construction for his company, now I have the bad credit for the cards, any chance they might be disputed successfully and removed, from my credit file?