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Originally Posted by Just_Dave
The credit repair i am talking about is when the remove stuff from your credit report not the ones who take your money to pay them off for you. I know a compny out here in la who those that and what i have seen is they do it all by the books , nothing wrong with what they do . I think its a great service but that is just my 2cents.
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i was just explaining , "they" cant remove anything from your credit report. only the credit agency can.. they can file an appeal "on your behalf" but you can do the same thing..
i.e. lets say you owed a cell phone company $300 but the cell phone company went out of business and had filed a report on you . well then you could file to have it removed based on the fact you cant possibly pay off the bedt because the business no longer exists.
Now what chadgilni was saying was even if the business is running and have sold your debt to a debt collecting agency , if you keep filing lots of appeals , they get overhwelmed by the sheer amount and wont respond so you get i removed based on a lack of response from the reporting agency...
and i suppose theres a chance if you file an appeal that the reporter just "fails" to respond..
These guys likely just find tricks like " filing an appeal right before christmas" hoping the company is swamped at christmas and fails to respond " my point was juts its nothing you cant do yourself.. they dont have a secret batphone to the credit reporting agencies , or elite backdoor access to the computer records..