Anyone else know a good credit improvement program?
925216
That’s great that you atempted to repair your credit yourself before you decided to pay someone. \n\nNow 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
681871
There is a national organization called Acorn. They have especial programs for low income or low credit score. There is one office in each State all over USA. \nI'm sure they can help you with that. Let me know what happen.
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.
425645
The best programs are from Wells Fargo & Bank of America. They have low annual fees, no application fees, no maintenance fees, and lower interest rates. They are available in all 50 states. Both Wells Fargo and Bank of America report their accounts to all 3 credit bureaus.\n\nStay away from the "Sub Prime" crap like First Premier, Aspire & Orchard Bank. They have lots of hidden fees.\n\nYou can review lots of programs at www.bankrate.com\n\n\nGood Luck
475111
Sure if you want to be raped. If you're trying to fix your credit, start with a secured credit card. You know, one that requires 75 to a hundred dollars per year to have and has bad intrest, but don't use if for more than 50 dollars at a time and never make a late payment. After a year or two, ditch it for a better card with no yearly fee. This is a leg up to a better credit score.
840947
1. Making payments doesn't always raise your score.  If you pay it religiously it might go up but not much...it would have to be awhile.  Like a Credit Card, it should come off after 7 years.\n2.  Orchard Bank is a good one. I am using that one to repair my credit and they aren't outrageous at all.  Have had them over 2 years and they took off the annual fee for me because I never was late making a payment.  Repairing your credit score won't happen over night...takes alot of effort and patience!
341665
Check to see if there is a Consumer Credit Counseling Service in your area.  Also check with HUD (US Govt office of Housing and Urban Development).  They have loan programs that require people to go through credit counseling first.  These are usually free programs through reputable organizations.
22406
There is no quick fix to imrpove your credit. Dont fall for any scam that says it will improve your credit score in a matter of weeks. The only way for credit to improve is to be responsible over a long period of time.\n\nIf you have records on your file such as public records, bankruptcies, they will stay on your record for several years. The best way to improve your credit will be to make sure you pay your credit card bills, mortagage payments, loans, in full every month and on time.\n\nIf you can't obtain credit cards because of your credit try a secured card. This is where you place a deposit into a savings account in the lender's bank which is used as collateral in case you default. Usually the deposit size will be your credit limit size.
276111
Before wasting any of your money on a credit repair agency, read the links below.  Much of the work you can handle yourself.\n\nNon-profits will still charge you a fee, they are just not as high.  In my opinion they are still not worth the money.
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
135090
Call Countrywide Mortgage - they have aggressive programs for credit challenged. You'll be surprised.
467109
the best for me is "my credit keeper" 9.99 a month and it gives you all three credit bureaus and credit scores along with a scoring calc "EX. if i get another card how will effect my score" plus it gives you a explanation on why your report is the way it is
159997
You would want to get in with a company that is non profit as you stated in your question.  Other companies charge you a fee for doing this for you, as much as 50.00 a month.  Consolidated Credit Counselors is a company I used before the only problem I had with them is the agreement they have with the issuing banks it to make payments that is 5% of what you owe.  That was too high for me so I had no other choice but to do a bankruptcy.  In time your credit rating will improve.  But by taking action and just not walking away will definately improve your credit rating.
480309
Your local consumer credit counseling agency may be able to offer advice and possibly assistance.  \n\nI would try the one that is actually called CCCS rather than one that may advertise as credit counseling.  CCCS is non-profit and offers free advice.
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.
698466
for credit cards with any type of credit none bad or fair try\nhttp://www.wesayes.com
735241
When my score was around 525, last year at Christmas I got approved for a Target credit card, but other than that, the only card I know that is legitimate for bad credit is the Orchard Mastercard (the one you see advertised on Yahoo). Good luck!