Credit Repair Questions

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The Credit Repair BEST Q&A section provides a place for visitors to ask their credit questions and get responses from the community.

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Can I refuse a credit check with an existing employer?
Tags: employment

Are there any credit repair companies that also do debt settlement?
My credit score is in bad shape and I talked to one of the major credit repair companies and they said they couldn't help me because I have some unpaid bills. Are there companies that can help me with my debt and my credit reports?
Tags: credit repair company, debt settlement

Where can I find good sample credit repair letters?
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Where can I find real credit repair reviews?
There are a ton of reviews sites out there like creditrepairreviews.net, creditrepaircompanyreview.com, and topconsumerreviews.com that provide reviews for their choices of the top credit repair companies but I know that in many cases these sites are paid for their reviews which probably explains why they each recommend different credit repair companies. Are there any sites with unbiased credit repair reviews?
Tags: credit repair service, credit repair company

Who are the best credit repair companies?
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How can I see my credit score for free?
The credit report from the annual credit report site does not have a credit score. Is there somewhere I can get my credit score for free?
Tags: credit score

What is more important, my credit score or the stuff in my credit report?
Tags: credit report, credit score

Does DSI Solutions credit repair work?
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What is the best credit score possible?
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How often should I check my credit reports?
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How do I get my credit reports for free?
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Will ordering my credit report hurt my credit score?
Tags: credit report, credit score

Do the credit bureaus all have the same information?
If I get one credit bureau to delete a late payment will the other two delete it also or do I have to deal with all three.
Tags: credit bureau, late payment, credit repair

Which is better, credit repair or credit counseling?
Tags: credit repair, credit counseling

How bad is a 647 FICO score?
Our apartment lease is almost done and house prices are really good in my area. I need to know if my credit score is good enough to get into a new home.
Tags: credit score

What is a reasonable price to pay for a credit repair service?
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Will an unpaid parking ticket hurt my credit score?
I got a parking ticket for $35 but I lost the ticket so I don't know who to pay it to. How many points will it take off my credit score? It's stupid that I was even ticketed so I'd rather not pay it off and I don't need to get a loan or anything like that right now. I'm just curious about how big of a deal this could become.
Tags: collections, credit score

What can I do to increase my credit score by 30 points in a month?
I don't need a big improvement, but the interest rates on a mortgage loan that I have been quoted would be much lower if my credit score was 30 points higher.
Tags: credit score

Are there any good free credit repair kits?
I don't want to pay for a credit repair service and I have no idea where to start with repairing my own credit but I want to give it a try. I'm looking to find a free kit that really works but is easy enough for someone who knows nothing about credit repair.
Tags: credit repair

What affects my credit score more, a short sale or a foreclosure?
I know both foreclosures and short sales damage your credit score, but how much better is it to sell a house at less than what it is owed on it versus living in it until the bank takes it from you?
Tags: credit score, foreclosure