Are there any good credit restoration companies or lawyers?
149124
most of them are scams.  but if you have a relative (spouse or parent) with good credit, you can have them co-sign a small loan (try to get a credit card at the local bank with a low credit limit - about $500 to start).  When you show responsibility in paying that, you can rebuild your credit that way
247978
depending on how your credit is if its in good shape i would go with a agency they will fight to get you the best rate if you find a good officer. they have more programs they can use
12932
Credit counselors probably would help.\n\nYou might find the book below to be useful.\n\nNow is the time to straighten out your problem before it becomes overwhelming!!
616920
Good job on making the changes you need to!  It's always refreshing to see people taking responsibility for their problems rather than just heading to bankruptcy court.\n\nIt may be a long shot, but you can call the credit card companies and talk to them about the credit report.  You might also consider talking to either a financial advisor (who would charge a fee but would probably give you very good advice) or a NON-PROFIT credit counseling agency.  If you choose the latter, make sure that you check with the Better Business Bureau or otherwise check them out THOROUGHLY - there are some scam artists out there.  \n\nI *believe* there are ways to "fix" your husband's credit report, but I'm not up on the specifics of how it happens.\n\nBest of luck!
779546
The fastest way to re-establish your history is by paying your current obligations -- it may take 2-3 years of this behavior to improve your credit score.  And, you will need to take care of any judgements, etc.\n\nConsumer Credit Counseling/Debt Reduction/Settlement Offers will NOT improve your credit -- these are all noted in credit reports.  They may make it easier to pay off your debt, but creditors see this as not meeting your full obligation.  While your credit score is important, most lenders look at other variables within a credit report --- CCC is a red flag for many lenders.\n\nIf you truly cannot repay your debt, it is smarter to declare bankruptcy instead of going through the CCC route.  Most CCC customers deteriorate into bankruptcy, anyway.  These agencies make a tidy profit (although most claim they are 'non-profit') from upfront fees, customer payments and/or settlement offers --- they rarely act in the consumer's best interest.  One or two years after filing for bankruptcy, you'll get credit offers again (although not under the best terms), as they know you can't re-file for another 5 years or so.
37858
Most financial institutions these days have what they call "second chance" loans especially for those who have bankruptcy on their credit. If thats the only blemish on your hurt credit report then chances are they may be able to help. It is at a much higher interest rate but it is worth it to rebuild your credit and oh ya, by the way here is a tip for ya. If and when you do get a loan, pay the payments and take a long time to pay them off.\nYou see, the issue here is not that you paid in full but that you can show a good and faithful payment history. If they begin to see faithfull payments regularly then it out does the bankrupsy. most people make the mistake of paying something off too early and it shows a lack of payment history. So the best thing to do is stretch those payments out as long as possible so you can develope and good long payment history. It'l help especially if you ever go to buy a home.
933526
Use letter #3 http://www.expert-credit-advice.com/free_credit_repair.htm
889320
Yes, I have helped many, many people do this.  First know that the bureau must verify any debt you dispute.  If they can not verify it, it must be deleted.  They have 30 days to do this.\n\nWith 7 years in the credit business, I recommend disputing them all at the same time, as you will likely need to go through several rounds of letters to get what you want done. If something is blatently wrong with your credit report, call the bureau after they write back and refuse to remove it. Go up the food chain until a manager agrees to remove or amend the incorrect info on the spot. Don't buy into their speach about re-disputing it - but make sure you have provided the information necessary by mail already to correct the error. It will not help you to insist on something being removed if you have not provided verificaiton on why.\n\nWhen you mail in the dispute letter, mail in as much information as possible with it. If your verification is a bankruptcy, send in all the pages to your petition and tab the important pages for them to review.\n\nAlso mail in a copy of an electric bill and a copy of your ID to avoid any delays. See the FTC web's site for your specific rights with collectors and debt reporting:\n\nhttp://www.ftc.gov/\n\nIf your problem is directly with the creditors, write to them ONE time. If they do not remove incorrect information, write to your state's attorney general's office and the FTC. This will get you the results you seek if you are in the right.\n\nIf this is a collection agency problem, write to the same people plus the ACA at www.acainternational.org. Collection agencies are generally slime, so know your rights before you call them. See your rights here:\n\nhttp://www.ftc.gov/bcp/conline/edcams/credit/index.html\n\nIf you have legit items that are bad, dispute them also. If they can not be verified, they must be deleted. It is not your responsibility to prove they are inaccurate, it is the credit bureaus who must demonstrate they are.\n\nHope this helps!
763544
Credit repair services are a hoax.  Avoid them.\n\nCredit counseling services, however, aren't about your FICO, but about debt reduction. Some of these have a bad reputation, too, so only use them as a last resort and read all of the fine print.\n\nThe only way to improve your credit is to start rebuilding it over time. Get a low-fee secured credit card. Pay it off monthly, and let time heal your credit.
351360
Below is a quote from a company called 1st Locate. The link to their website and their ph number is posted also. If they cant help you, chances are they will be able to tell you who can. I have worked with them in the past and they are worth the small fee. Good luck! \n\n"1st Locate  are one of the largest people locator's or trace collect debt recovery agencies in the U.K. and Europe.   UK TEL: 0113-297 7500"
178538
Andy is absolutely correct.\n\nCredit repair companies are a scam.  They are charging you to do work that you are capible of doing yourself.  \n\nThe problem is most consumers don't know what to do. They don't know the laws, or the procedures in how to deal with credit agencies.\n\nBelow are some of the best links I have come across.   Read up, and if you need further advice contact me.
1160784
You can try Lexington Law Firm. They claim to specialize in this area, but as a rule the credit bureaus will tell you that No-one can remove a legitimate item from your report.
160099
go to the credit companies website and dispute the information.  I did it cause it had my dad as my spouse cause he co signed my first credit card.  After a few weeks they sent me something showing it was fixed
1158534
When I started my credit repair, I went to "many" different credit repair sites. Some were terrible, some were no help, but I had finally found a couple good ones that I've learned alot from (one in particular).\n\nDon't use a site that charges you for their info on credit repair, you can find the same things and probably more on other sites.\n \nI'm listing the best site that I had found.
215162
the only way to fix your credit is to pay off deliquent debt, or at least start,and stop applying for new debt(just the apllication hurts your credit). other wise wait seven years for it to clear from your history.\nmake large down payments on items, at local businesses, that you are going to buy anyway and pay them off!!\ni heard on the news that most credit fixing companies are scams and get some of the money that you could be paying the creditors. a phone call can do wonders.
117557
try Consumer Credit Counseling Service of North America. It's a United Way program.
49021
Try Advanced Credit Systems.\n\nVery reliable and great pricing!