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About creditshark

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  1. I have been trying desperately to repair my credit for YEARS. But, every time I think I am doing good, I pull my report and it is back down in the dumps. In August 2004 I was in a car accident that has cost me thousands of dollars, most of which I have not been able to pay thus far. Due to my inability to work full time, etc. I have having a hard time paying other bills. WHAT CAN I DO??? I thought I could refinance my house to get a 'pick your payment' loan, but my credit is not good enough for that. I keep seeing adds for people that can 'Increase your credit score by 100 points in 30 days' Can I believe in them? Have any of you had experience with that? AGH!! HELP:confused: