Bit the bullet and hired a credit repair company for mine and my wife's. My wife's is in pretty good shape. Only 2 lates from just about 2 years ago and a medical collection of also 2 years ago. Anyway was telling a buddy of mine about who has a small local "repair" company, but primarily a "broker" who can find loc's,etc. Anyway I told him about the repair company claiming to have her report completley cleaned up in 4-6 weeks. He scoffed, but he never go any lates off. Therefore he said he could get all her inquiries
off Equifax. He could not do a thing w/Exp. or TU. She had about 12 fairly recent inquiries on her Eq. and in 24 hours they were all erased with the exception of one!!! Her Eq. score went from 702 to 758, in 24 hours!!!
I have not checked the Exp. or TU yet, but like I said he can't do anything with those. The lates are still on Eq. but hopefully if the repair company comes through soon then she should be much higher. Dare I say 800 is within the realm of possibility?!!! She has 3 credit cards, 2 w/ 0 balances and the other under 30% utilization.
