Originally Posted by SmokeyTheBear

nobody can repair credit but you.. all those companies do is use your money to pay off your dedts on a timetable and charge you for it ... anyone can do the same thing , just call up the people you owe and say " hey i have no cash but i would like to get my debt paid off so lets work out a payment plan.."

Those "credit repair" companies should be banned..

The credit system is fairly simple.. you owe someone money they report it to a credit reporting agency and you have bad credit until that report is gone.. or you make 2 "good" credits to outweigh the 1 bad one..

Frankly theres no such thing as "bad credit" . try to get a loan for 10k with NO credit .. you wont..

Now owe a bank 2k , pay it off over 2 years with interest and the bank is your new best friend

Banks dont like to lend money to people who pay their bills on time, their profit is decreased. they would much rather you fuck up and NOT pay them every few months..