Question by Elfeeble75: If I told you that a “credit score” was created by the lending industry to increase borrowing interest..?
would you believe it? yes or no

Best answer:

Answer by Luis
Well one could make that argument and it it sound logical but I will give you this instead.

The credit score industry was invented mainly because somewhere someone found that there was a demand for the product. Since there was a demand, money could be made. Since lending is a big business, it makes sense, that probably a lot of money could/has been made.

But that is just me thinking

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Question by ME: Can credit repair “specialist” increase credit score in some magical way?
I’m curious about using a credit repair agency……I successfully repaired my credit 6years ago (as well as my husbands) by myself so that we would be able to purchase our first home. We are now looking to purchase a second home, but need to clean our credit AGAIN

A friend of mine suggested using an agency that she just used and she now has excellent credit and able to get a line of credit. The fee for this service is RIDICULOUS so I’m starting to have second thoughts because I’m wondering if the amount she quoted for both my husband and myself or is that fee just for one person?

Bottom line, is the process the same using a credit repair agency? Or will we go through the same process of disputing and paying off old bills? My friend made it sound so magical……..like you pay them this large lump sum of money and in a few months everything is clean and my credit score is back up….

What makes the difference?
I’ve had several friends use those agencies and they WORK
Okay, thanks Catdad………you’re the only one the answered my question. I wanted to know what they were doing and if its any different than what I can do. My question was not whether they work or not, because clearly they DO WORK….. ESPECIALLY IF THEYRE ONLY DOING WHAT WE CAN DO OURSELVES.
I’ve seen friends with homes use different agencies to help them clear their credit to purchase their current homes, so I already know they work, I just wanted to know if it was worth my money…..would it speed up the process any, but it sounds like there really is no difference except that I’m giving them money that I could use to pay off old debt
just because they are not doing something that we can do ourselves it does NOT mean they are a scam. I mean, we cash our own car, but that does NOT mean that a car wash owner is running a scam, accountants are doing what we should be able to do, but we don’t consider their business a scam………So, GIVE ME A BREAK! I’m not buying the whole “scam” Especially when Ive seen the results SMH

Best answer:

Answer by Wayne Z
Sounds like a scam.

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Question by Erin B: 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 redhairedmama75
The only things that those so called credit repair places do is dispute each and every single negative item on your file regardless of whether or not it’s valid. You can do that yourself for free.

Give your answer to this question below!

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(Credit Repair Tips to Improve Credit Scores Fast)
(Credit Repair): Self Help May Be Best
(companies) that want you to pay for (credit repair services) before they provide … Under the (Credit Repair) Organizations Act, (credit repair companies) cannot …
FTC Sues (Credit Repair Companies)
Jan 27, 2005 … “No (credit repair) company or consumer has the right to remove accurate, current information from a credit report.” …
More results from
Improve Your Credit Score -(Credit Repair)
(Credit repair) is legal, but some (companies) are not. Our fraud detection guidelines are designed to help you tell the difference. …
Repairing your credit — go it alone or hire a (credit repair) company?
You want to improve your credit score. Should you pay a (credit repair service) to help you or do it yourself?
Best (Credit Repair Services) – Top Ten List
You can (repair) your (credit) yourself or you can get help from a (credit repair) expert. This is a top ten list of the best (credit repair companies) out there. …
The Truth About (Credit Repair) & Credit Clean-Up Scams – Credit.com
(Companies) that want you to pay for (credit repair) services before they provide any services. (Credit repair companies) cannot require you to pay until they …
The Truth About Credit Reports and (Credit Repair Companies)
Beware of (credit repair companies). There are many things you can do on your own to “fix” your credit or to rebuild your credit. …
(Credit Repair) Company – Bad (Credit Repair Services) …
Bruk Credit Restoration and Solutions provides you a (services) of (Credit Repair Company) , (Services), (Repair) Credit Reports, Free Bad (Credit Repair) and (Credit Repair) Agency.
Your (Credit Repair Company) of America
A trusted leader in the (credit repair) industry and will Guarantee you results or you don’t pay anything! It’s just that simple!
(Credit Repair)
Learn about our (credit repair services). They are “sponsored” by major banks and lending companies, and the way they keep their sponsorship is by collecting …

We will help you erase your bad credit from all three major credit bureaus.
credit repair companies
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start your own credit repair company
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