Comments for FixCreditFast.org

Comment on How do I fix credit report when the credit card company is no longer in business? by Real Georgian

Real Georgian — Thu, 01 Jan 2009 09:05:42 +0000

Credit Report Myth or Reality
By: Herman Randolph

also dispute in november….end of the year…busy during christmas…more of a chance it will be cleared.

Comment on How do I fix credit report when the credit card company is no longer in business? by CreditMan

CreditMan — Tue, 30 Dec 2008 18:25:48 +0000

Dispute the credit account with the credit bureau. The credit bureau will try to contact the credit card company and when they find out they do not exist anymore you should automatically win the dispute and the account will be removed.

Good luck!

Comment on How do I fix credit report when the credit card company is no longer in business? by Freddie

Freddie — Tue, 30 Dec 2008 06:40:20 +0000

Same answer without the fedora. Dispute letters need to be sent to all three of the major credit reporting agencies: Equifax, Transunion, and Experian. You will want to include information on the purchase of your account by the other company, the amount owed and paid. Another thing, have you inquired with the company approving your mortgage iregarding the impact that this one discrepancy would have on the loan?

Comment on Anyone know which is the best way to fix your credit? by james m

james m — Mon, 29 Dec 2008 05:49:30 +0000

Yes,establish good credit for the next 7 years.

Comment on How do I fix my credit and how long does this take? by Security Lady

Security Lady — Sun, 28 Dec 2008 22:06:51 +0000

first off don’t assume because your score is not perfect for your local bank that you cannot buy a home. You can get a home loan with bad credit, even scores in the 500’s or below. As far a fixing it you have some good comments here, make sure what is on the report is correct- of not dispute it with the credit bureaus. If you have maxed out card pay them down- highest apr first and then down from their. If you need extra assistance lexington credit is a great company and you can easily find them on the web they do charge a fee so try to do what you can yourself first. go to each bureau and request your free report then fix what you can yourself. good luck on the road to home ownership!

Comment on How do I fix my credit and how long does this take? by Brian G

Brian G — Sun, 28 Dec 2008 06:07:34 +0000

I agree completely with Thomas V. This will take some time, but is the best (and only legal) way of raising your score.

Do not fall prey to companies that claim they can magically erase your bad credit history. The only negative items you can legally remove from your file are those that do not belong to you or are there by another error. You can dispute those yourself online or by mail with the credit bureaus.

Items that are reported correctly cannot be legally removed. When a credit file item is disputed, the reporting company has 30 days to verify or remove the item. All the so-called credit repair companies do is bombard the bureau with disputes on the same item until the reporting company either gets tired of responding or misses the deadline. This is unethical and illegal, so it’s better not to try this and save yourself several hundred dollars.

Comment on Anyone know which is the best way to fix your credit? by mchl_trvs

mchl_trvs — Sat, 27 Dec 2008 11:57:53 +0000

You should try the people at Ovation Law. You can find a link to them at .

Good Luck!

Comment on Anyone know which is the best way to fix your credit? by twv23512654

twv23512654 — Sat, 27 Dec 2008 05:22:50 +0000

Beware of companies that promise to help you re-establish your credit for a fee. Their ability to change the information that appears in your credit file is no different than anyone else! Only your creditors are able to alter this information. Therefore you do not need to pay a third party to obtain, discuss, review or make changes to your credit report. You have the right to access your information and make changes to your file if there is an inaccuracy or if you want to include a comment.

Remember this when it comes to hiring a credit repair company

A credit bureau will not remove accurate negative information from your credit report before the legal time period has expired. Therefore, do not believe anyone who claims they can get negative information removed from your credit report faster than is legally required.

There are no “loopholes” or laws that credit repair companies can use to get correct information off your credit report.

No credit repair company can do anything you can’t do for yourself. It is impossible for a third party to make changes in your file if the facts have been correctly reported.

The only way to rectify a poor credit rating is to adopt sound credit practices for a period of time.

Comment on How do I fix credit report when the credit card company is no longer in business? by nathanael_beal

nathanael_beal — Fri, 26 Dec 2008 19:44:48 +0000

bring it up with the three credit reporting agencies and dispute it as paid.

Comment on Anyone know which is the best way to fix your credit? by SPIFIMAN1

SPIFIMAN1 — Thu, 25 Dec 2008 19:56:31 +0000

I quote from the 2007 edition of the Consumer Action Handbook published by our Government.

“If the information is accurate, only time, hard work and a personal debt repayment plan will improve your credit report. Credit repair companies advertise that they can erase bad credit for a hefty fee. Don’t believe it”.