CAN A CREDIT REPAIR COMPANY ACTUALLY HELP?
The answer is maybe — but they can’t do anything that you probably couldn’t do yourself, for free.
Anything on your report that’s bringing down your credit score is going to stay on, if it’s accurate information.
So, if a credit repair company promises to remove negative information such as a bankruptcy or judgment, and they want money up front to do it — run.
Credit experts say that only time, effort and a solid plan for repaying your debts will improve your credit-worthiness.
There are plenty of unsavory operators out there, so be careful. Many consumers have lost hundreds if not thousands of dollars to scammers who take their money and do nothing to improve their credit.
If you or someone you know is trying to groom their credit report to buy a home, have them contact me and I will help them with a solid plan at no charge.
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