What do credit repair companies usually promise?
482785
The sun and the moon and the stars! There are only 2 or 3 that are realy very good. Most can get some items deleted but they will show up again and again even after disputes. The ones that are the best will charge you up to $4,000 but they have them removed by chalanging the laws in which they were placed there in the first place.
1114437
If you are needing to repair your credit so you can qualify for a loan etc. I would suggest going to the link I have provided below and do learn how to fix your credit.
225879
As far as I know if one of your credit rating is good, then it wont matter if the other's is bad - I think its like some loans.  Co-signer w/ good credit = :D
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.
437406
They can offer them to you, but you'll be paying maximum interest on them, or they may require you to have a secured card.  Either way, take them up on the offer.  You need to start rebuilding your credit.
1103852
check out my profile and use the link\nit takes you to a company that compiles banks and lenders for people with bad credit\nit also provides a credit repair kit help to get that score up
341567
What is guaranty that they deliver?\nYour are giving your credit card no they may misuse that.\nWhat about the quality
1159127
Before you even begin this adventure, you had better understand a few things.\n\nYour goal is to fix your credit score so you can get a better deal on your new home.  It will not help your score to have anything on it that reflects negatively on you.\n\nWhen you pay off an old debt, the creditor will show "paid" on your credit report, but it will still have notations about being in collections, late payments, or only having a portion of the bill paid.  I don't care what anyone on here says, that is still a negative report!  Therefore, you have just spent a lot of money trying to fix something, and got nowhere!  \n\nTherefore, you need to be prepared to do some serious negoations.  \n\nFirst, if at all possible do NOT deal with collection agencies.  As previously stated in another reply, they get a portion of whatever you are paying.  If you pay the creditor directly, they avoid the collection agency and keep all the money!  They may deal with you in this respect.  So start by contacting the original creditor.\n\nDO NOT OFFER TO PAY ANYTHING!  Make it clear that you are only negotiating a payment plan and if they do not come to an agreement they can forget it.  Offering to pay will reinstate the Statute Of Limitations and can even effect some legal aspects of your collections.  BE CAREFULL!\n\nMake it clear up front that exchange for payment, they must remove ALL negative reports from your credit report, or change the status to "paid in full, as agreed".  They won't want to do this.  Many will tell you it's not legal.  Yes it is, I can prove it, and I've done it myself!   You are NOT "in the drivers seat" here as long as they continue to hold your credit report over your head. \n\nGet this agreement IN WRITING!  Without it, you have no prove that they agreed, and you will have an awful time getting your credit report fixed once they have your money.\n\nDon't give them a clue you have a lot of money!  Tell them that you are trying to avoid bankruptcy and have come up with a payment plan to try and resolve your debts, and if they refuse you will just pay off your other debts instead.  Start by offering to pay 60% of the debt, they will most likely accept 70% without too much hassle.  Sometimes you can even get much more, but that's very rare.  The advantage you have is you are going to pay it off in full, so remind them of that.  They will be more willing to accept your offer if it's not going to involve monthly payments.\n\nWhen you call, get names!  And don't commit to paying them anything until you have a written agreement from them listing they payment plan, plus their agreement to remove items from your history.\n\nGood luck with your battle.  You can do it, you just need to get into a good negotiators mindset and be ready to fight with these people.
989716
http://www.repair-your-credit.jims-info.com/
8545
I believe that credit consolidation companies work with any company that you owe money to, including original creditors and collection agencies.  You might want to ask before you sign up with anyone just to be sure.
961150
In this case I agree with the previous responder.  Creditboards.com is a forum for people seeking help with fixing credit problems.
297382
There may be such a company. If I were you I would not believe a word of it. If something sounds too good to be true it probably is. Good luck friend. I wish you well. Nobody unless it is a charitable organization will help you with credit problems for free.
833164
Try Consumer Credit Counselling Service (0800 1381111), National Debtline (0808 8084000) or Citizens Advice (www.adviceguide.org for advice or to find local bureau). They all give free advice and can negotiate on your behalf with creditors.\n\n"Debt management companies" are profit-making organisations who WILL charge you, so avoid them.
272987
What specifically are you looking for?\n\nAs long as the creditor went to court and got a writ to repo your car, there isn't much more you can do.
7418
Credit is nothing more than an agreement, a promise.  If you failed to pay in the past, and you want to get someone to loan to you again, you have to repay what you borrowed.  If you are going to instead see how little you can pay to eliminate your past debt, your new lender has got to think that you will treat him the same way.\n\nPay your debt...or suffer the consequences.  As you said, you made some bad previous choices.  Either own up to them (and pay) or work through the various options of being a renter until your bankruptcy is discharged, etc.\n\nIt's hard to get a new lender to believe you are credit-worthy (aka, "trustworthy") if your primary goal is to *NOT* pay your debt in full.
1175781
The only way I know of is to get a co-signor on a loan, and re-establish your credit from there. See if your bank will work with you on a small credit-reestablishing loan as well. Most banks will, especially if you tell them your circumstances.
934701
Try this.\n\nWhen you call these companies, tell them that you want IN WRITING a guarantee that they will raise your credit score and remove bad items from your credit report once the bills are paid.  \n\nAnd that they won't take any money unless these things are accomplished.\n\nYou won't find anyone who will agree to this.  Why?  Because they can't possibly promise such a thing.\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must delete it\n2) The creditor fails to respond to an investigation request from the credit bureau.\n\nNote that payment of a bill does NOT remove the item.  It only changes the status from being late or in collections, to paid.  But it still reflects late payments or collections.  It's still a negative item.\n\nThese "credit repair" companies will TRY to negotiate a payment arrangement that will TRY to remove the negative items.  But there are no guarantees.  \n\nBut it is a guarantee that these companies will demand payment for their services, whether they succeed or not.\n\nBefore you go this route, do your research.  Many of the things that these companies do, you can easily do yourself.  \n\nAlso note that many of these "credit consoler" or "credit repair" companies are a front for companies offering consolidation loans or other such services.  Be aware of what's going on!