Credit repair Companies?

[dynomite_1998]

What can I do to repair my credit just like a credit repair company would do? I would like to know how to take negatives off of my account etc. What are the steps? I'm interested in repairing my debt myself.

[cbowles05]

Go to DaveRamsey.com. This web site will help you with all your debt related questions. No money needed, only hard work and common sense.

[fojimo]

anything they do you can do also. write letters to the companies and ask them to remove the accounts that are over 7 years old. (7 years from date of last activity-not 7 years sinced opened) they have to reply within a certain amount of days. no reply and they lose. you can also go to freecreditreport.com pay the fee to get your reports with scores. or go to annualcreditreport.com (no charge-everyone is entitled once per year for free report ) there is an option to dispute items. use that option to request removal. its what i did when i saw a negative account on my husbands report that was not his but his x wifes. he was not on the account when she opened it. it was immediately removed. no hassles at all. also any newer accounts can be negotiated to a lesser amount. do that to pay them off faster.

[chane]

When you repair your credit, you're not really repairing your debt.

Technically, you CAN do anything a credit repair company can do, but the credit repair specialists have years of experience. If you want to know as much as they do, it could take you months. But, this is the right place to start. The more you know the better.