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Can anyone reccommend a legitimate credit repair company?

My husband and I want to buy a house next year but our credit scores are in the mid 500's.  We have alot of credit card debt.  We need help and advice. 
  • June 23 2012 - Wallingford
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Answers (36)

Profile picture for customercare06
This is an older thread that I just happened to stumble upon. Old thread but still worth the reply because someone else may stumble across it and benefit. My name is [Content removed by Zillow moderator. See our Good Neighbor Policy for posting guidelines]
  • March 18
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No spam or self-promotion! See our Good Neighbor Policy.
  • November 23 2014
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When I graduated from Ohio State I had a bunch of credit cards with balances and no job. lol  Anyhow, I used [Content removed by Zillow moderator. See our Good Neighbor Policy for posting guidelines.] and they were very helpful and cleared everything right up for me. Good Luck!
  • October 16 2014
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Profile picture for galoor
In the end it's always best to make sure that you do things yourself to ensure that you're able to track everything. Doing it yourself has it's drawbacks, of course.

If you did do it yourself you could follow these tips: (NOT spam, this is actually great, free information and not a service)
[Content removed by Zillow moderator. See our Good Neighbor Policy for posting guidelines]

I'd use CreditKarma.com, CreditSesame.com and various other services that are free to help monitor your credit. No need to pay these days. In fact, most credit card companies give you a free credit score as well. See if yours does.

Paying off credit card debt is going to be the hardest. You either pay it off with money you have or teach yourself to not spend so much, which is why credit card debt usually starts to build up.

I just realized this was old, but hoping you and your husband ended up getting that house!
  • October 15 2014
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If you've finally made it through reading all of the spam and self promotional "advice", ask around for recommendations for a good CFP (certified financial planner).  STOP! NOT HERE! Ask friends, family, co-workers, local business owners, etc. A CFP is not as expensive to have as you would assume and they tend to save you more than they cost, so its a win-win. 

Best of luck! I've been there and it is hard, but you can rebound. 
  • September 11 2014
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Profile picture for daveskow
yourself
  • September 09 2014
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Visit  [spam removed by Zillow moderator, see our Good Neighbor Policy]
  • September 09 2014
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We can help you restablish your credit and buy your house.
  Contact us at: [spam removed by Zillow moderator, see our Good Neighbor Policy]
  • May 16 2014
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Profile picture for sunnyview
"Credit repair" is 100% free to anyone who can read. A lot of excellent information online about improving your credit yourself and if you want more personal information try the MyFICO forums where the community is educated and helpful about credit improvement. 

You can also speak to a knowledgeable broker about what they suggest. Most are happy to weigh in.
  • March 14 2014
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  • March 14 2014
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  • March 06 2014
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SUNNYVIEW - best post I've read all week !!
  • March 05 2014
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Yes, I had really good experience with Credit World Financial Services.  [Content removed. Please refer to our Good Neighbor Policy for more information.]

  • March 05 2014
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  • February 19 2014
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There are several "legitimate" credit repair companies out there. The best one for you will be one that you feel comfortable working with. One that you have faith in, and one that won't charge you an arm and a leg for their services. Do your research, call a few companies, ask them questions, and narrow it down to one company that will do all of the work that you require.

Good Luck!!
  • January 14 2014
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Profile picture for sunnyview
So much promotional stuff, it's hard to see the helpful stuff over the stacks. Thumbs to the helpful, terrible spam haiku for the rest...

Bricks stacked up so high
Credit advice crushed below
Small pink wiggles out


  • December 09 2013
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  • December 09 2013
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  • December 05 2013
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To repair credit you have to: 1) build new credit (buy gas, food and monthly expenses on credit cards, pay the balance in full each month. D not carry a balance more than $100-. Best to use 3 or 4 cards if you can. Then the hard part.... 2) Pay old debts. Call people you owe money to and see if they will make a deal if you pay off. Suggest paying 20% of your balance if they forgive 80%, and see what they say. You will have to have alligator skin here because he rspnse from the person you owe may vary. Or work out a payment plan and settle up if they are un-willing to compromise. Bad credit follows you.
  • November 21 2013
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  • November 19 2013
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  • October 21 2013
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  • August 11 2013
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Check my profile on [spam/self-promotional content removed by Zillow moderator due to violation of Good Neighbor Policy] for recommendations and kudos from my lender affiliates at major mortgage lenders and past clients.

Results speak volumes...
  • July 22 2012
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  • July 22 2012
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  • July 17 2012
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Hi,  I have a solid recommendation [email removed by Zillow moderator]
  • July 16 2012
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I work for a reputable credit repair company.  Contact me through my profile, I have plenty of recommendations from business affiliates and and past clients on my LinkedIn profile to review.
  • June 27 2012
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  • June 27 2012
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Check out [removed by Zillow moderator].  They have helped my clients with this very sort of thing and, have an A rating with the NJ BBB.  Give them a call for a free consult: [phone removed by Zillow moderator]
  • June 25 2012
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It is simply not true that you need to live with bad credit.  It is true that you won't improve your score over night but 80% of credit reports have errors on them that impact the score of the consumer and if you work persistently at forcing the bureaus to validate every debt and increase your good credit you can increase your score significantly.

I would would be happy to offer you a free credit evaluation where I can show you what you can do about it.

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  • June 24 2012
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