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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Why should you care about your credit score in a recession?
I'm not looking to buy anything on credit, so what's the point of credit repair?
Tags: credit score

Are seasoned tradelines from Apex Credit Services worth the money?
They have ten year old tradelines for $899.99 and two year old tradelines for $399. Is it worth the money to get a seasoned tradeline and is a 10 year tradeline really worth $500 more or would I be better off saving money and getting the 2 year tradeline?

Which is better, DisputeSuite or HTDI Tracker?
Of these two credit repair business systems, which one is better for running a credit repair company
Tags: credit repair company

What is the best software for running a credit repair business?
There seems to be a lot of companies providing credit repair software that is supposed to make it easy to have your own credit repair company. Do these programs really work and which one is best for starting a new credit repair business.
Tags: credit repair company

What's the best way to start a credit repair business?
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What are the benefits of using credit repair lawyers?
Credit repair law firms like Lexington Law and Online Credit Attorney make a big deal about how they have attorneys on staff or are real law firms. Is there any reason why a credit repair law firm is any better than any other credit repair company?
Tags: credit repair company

What is a reasonable price to pay for credit repair?
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What's wrong with submitting disputes online?
All the credit repair sites say you should only send in credit bureau disputes by mail but it seems to me like it should be a lot easier for me and for the credit bureau to do everything electronically. I don't have to waste time dealing with the postal system and the credit bureaus don't have to waste time sorting mail and physically opening an envelope.
Tags: credit bureau, credit dispute

What do I do if the credit bureau verifies an inaccurate listing?
I sent in a request for verification letter to Experian and they verified that a late payment on my credit report was being reporting correctly but it isn't. I was never late.
Tags: credit repair

What the best way to delete a collections listing?
Tags: collections

I have bankruptcy record, can move out this record ? If so, how long take to remove?
Tags: bankruptcy, credit repair

What is better for your credit score, a zero balance or carrying a small balance?
I've read that you should keep credit card balances around 30 percent, below 30 percent, around 10 percent, zero and so on. What is really best?
Tags: credit score

Are there any tricks to getting a collection removed from my credit report?
I have a collection from a little while ago that is hurting my credit score. The amount that was sent to collections was pretty small (less than $100) and other that that, my credit reports are pretty good.
Tags: credit report, credit repair, collections

Can I get a credit card for my 15 year old?
I want to start teaching my son how to use credit responsibly but I'm looking for a card where I can monitoring his spending like an e-mail alert or website I can log into.
Tags: credit

Can a person under 18 have a credit report?
Tags: credit report

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?
Tags: credit repair

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?
Tags: credit repair company, credit repair service