how reliable are yes credit?
341102
To be honest I have never heard of this company. If I were you I would do some research into it and not count on the answers here...D
1016471
I've used several of them and for the most part they aren't very reliable.  You usually have to pay for the service and it's usually not very up to date.   Sorry, but that's been my experience.
525571
As long as the credit card is in good standing and you can verify the amounts that are added to the credit card for credit it should not be a problem.
697473
The only free really credible site... https://www.annualcreditreport.com/cra/index.jsp \n\nOr try http://www.expert-credit-advice.com/ for credible credit advice,....
11272
Yes. Review this site
934097
You know I was gonna sign up with them, but I can tell you they are a scam. They will stretch sending those dispute letters for a long time so you have to keep paying them monthly-\n\nYou can do what they do by sending the letters and disputing your credit errors by yourself. It is very easy. I just got a judgment taken off last week. \nSign up with www.truecredit.com\n\nThen look for the errors- \nmake 3 copies of your credit report and highlight all the errors\nsend one copy of your report to each of the credit agencies(trans union, equifax,expirian)\nAlso write a head letter for each credit agency\n\nheres a sample letter(customize it to each credit agency)\n\n Credit Report Dispute Letter\n\nDate\n\nComplaint Department\nName of Company\nAddress\nCity, State, Zip Code\n\nRe: Your Name\nYour Date of Birth\nYour Social Security Number\n\nDear Sir or Madam:\n\nI am writing to dispute the following information in my credit report; I have circled the items I dispute on the attached copy of my credit report.\n\nItem 1: (identify item by name of source (i.e. \ncreditor) and type of item (i.e. credit card account, judgment, etc.) This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (updated, modified, etc.) to correct the information.\n\nItem 2: (if applicable, etc.)\n\nEnclosed are copies of documents (i.e payment records, court documents, cancelled checks, etc.) which support my dispute of the above-referenced item(s). Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.\n\nSincerely,\n\nYour name\nYour Address\n\ncc: creditor(s)\n\nEnclosures: (List what you are enclosing)\n\nMail this letter along with a copy of your printed credit report to each agency:\n\nDo not dispute any bad credit that is not listed under that agency.For example if you have a credit error with transunion and its not listed with equifax, you dont want to send a dispute letter to equifax because this will only cause the creditor to possibly make a report to equifax.\n\nSend your letters First class mail and always keep all copies of what you sent and receipts that you did in fact mail your disputes.\n\nThis way you have proof of the exact day you mailed your claim . The credit agency has 30 days to do the investigation or bye bye baby the debt gets deleted.\n\nHere is another letter for your creditors to demand proof of your debt:This was emailed to me by another yahoo board member and it is great:\nSample letter to creditors\n\nThis letter is being sent to you in response to a notice sent to me on December 16, 2005. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.\nThis is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.\nPlease provide me with the following:\n• What the money you say I owe is for;\n• Explain and show me how you calculated what you say I owe;\n• Provide me with copies of any papers that show I agreed to pay what you say I owe;\n• Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.\n• Prove the Statute of Limitations/UCC has not expired on this account\n• Show me that you are licensed to collect in my state.\n• Provide me with your license numbers and Registered Agent\n\nAt this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mar
617805
VERY!!!!  If you have to make a claim, you get your money fast with out any problems.  I've had them for 10 years & have never been unhappy with them. (:
679870
I think they are legit, but there main customers, are people with no, or bad credit. You will probably end up paying a hefty interest rate. Probably 20% or over..
515403
Yes they are real but no you can't pay bills with it. it is an exclusive use card limited to items within the catalog which they will send you once you have already signed up(take your money then show you the goods) if your credits that hard up and your looking to repair it and you got some money to throw away go for it.... if your looking for a normal, visa / mastercard, this is not it!
153988
Yes, absolutely and it will last for 7 years. Please visit the forums at www.artofcredit.com for some of the BEST credit advice.. all free.
763474
they have cards especially for students, I used to work for a company that processed credit card apps over the phone.\n\nkeep applying, you will find one make sure you find out what the apr is, annual fee and possible participation fee.  \n\nif you cant get a good apr I think the highest you should go is 9% then get one for now to build your credit it may not be great but if you pay it well you can get a better one in the future.\n\nI had bad credit then paid alot of bills off. i finally could get approved with first premier bank.\n\n9% fixed apr, but lot of yearly fees.  I am going to get a better one in a couple of years when this one looks good. \n\nThats how credit works!
630302
NO and I have checked a variety of sources. It is hard to tell the good from the bad in credit counseling.\n\nBefore using any credit counseling services become informed. Use FTC consumer information. Also, you can go to an office supply store and find credit repair kits that you can use yourself.
758920
Orchard Bank Mastercard (issued by HSBC Bank) - probably the most reputable issuer among the lot. Plus now, you can even get 2% cash rebates with Orchard Bank Mastercards.\n\nTribute Mastercard\nImagine Mastercard\nTotal Visa\nFirst Premier Bank (both secured and unsecured cards)\nRewards 660 Visa\nContinental Finance
972602
Yes I do! But read because its not just that simple\n\n\nThat’s good that you tried to repair your credit yourself before you decided to pay someone. Now that you know how aggravating the credit bureaus are to deal with, you need to find a legitimate company. Let me tell you; they are far and few between. I tried to repair my credit myself and gave up. Then I hired a company in California called a “Fresh Start” they charged me $695 and stole my money. I never heard back from them. It turns out it was a complete scam. \n\nStill very serious and skeptical about repairing my credit, the 2nd time around, I researched quite a few different companies. I finally decided on a company in Florida called Credit Network. They are a smaller company and they really know what they are doing. They also didn’t charge anything upfront except for a small setup fee, after that they charge $49 mo, after the work is performed for the previous month. When I started I had 73 negative items between all 3 bureaus! That was about 8 months ago, and they have deleted all but 17 bad items. They were realistic when they said it could take over a year, buts that’s fine with me, because they followed through on what they said.     \n\nSomething very important….. The bad debts that you say you owe; you need to pay them off. I don’t care if you settle them or pay them in full, eventually you need to pay them off because if you don’t, there is a very good possibility they will pop back up on your credit after you delete them. I was told that debts get sold and resold, even after the statute of limitations. So if you are as serious as you sound about repairing your credit, you have to pay them off!! \n\nOh yeah, here is the link to them http://www.expert-credit-advice.com/credit_repair_service.htm  \n\nand the home page: \nhttp://www.expert-credit-advice.com/
473707
you need someone to co-sign for you a small loan at the bank. That will start your credit. As long as you pay it on time every time then you'll have good credit.
164463
of course....I have been a member for 4-5 years now. They are very reliable. They send your c.d. and then send you the bill for the c.d.
877732
Avoid this one like the plague as well.  It's a racket, it isn't a real credit card at all.  They only thing you can buy is overpriced junk from their catalog.  For that dubious privileged they charge you for the "card" and charge you a monthly fee.\n\nSave your money.  It isn't going to help your credit in the slightest.\n\nAnd yes, you will have to pay a shipping fee as well for items you purchase.