Quote:
Originally Posted by V_RocKs
I paid off all my bills and still my score is below 700...
I have been reading a lot about credit cleaners...
Basically the idea is they send letters to the credit bureaus stating that the info is bullshit and the bureaus ask the creditors to prove it is you, if they can't or fail to respond within 30 days the bureaus remove the shit from your file.
Back in 2002 the place to go would have been Lexington Law since this type of cleaning was relatively new and unheard of by many... But since then the bureaus have been fighting back.
These circa 2002 types will use form letters so the bureaus spot these form letters and instead of working to find the solution, they TAG you as receiving credit counseling.. which really fucks you over...
So now that it is 2007... Has any GFY'er had any success with a credit cleaner? If so, who?
Yes, I know I can do it myself but then I'd have to take time off from making money... If someone else can do it for me I'd rather go that route and save my time...
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I did it all myself. No cleaner. But yes, I have had a lot of success. The key is that when you pay off a bill, that you IMMEDIATELY have them fax, and later mail you a copy it's been paid.
A lot of those companies do not report (or do it timely) that you have paid. I have even had some tell me that it's MY job to report it. Heh.
Anyways, you have to be the ultimate record keeper when going through this. I know I ran into more than one time where I had grief with a collection agency, and I had to start faxing copies to the MPSC, FTC, BBB and alike to get some results.
It's an INSANELY time consuming process, but the result was a jump of 120+ points in my credit score once resolved. After completed, I sent the horror stories, time lines, names, and numbers of the companies who gave me the biggest grief to my congressmen.
For all of the headache's some of these companies gave me, it was justice to return the favor. Toe hee.
