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     | Thursday, January 20, 2000 - 10:21 pm  I'm debating on using this company or just giving it a shot myself. I hear about how there's so much you have to do to get something removed from your credit that I just want to leave it up to a credit repair agency. The companies web address is as follow:(www.icrserv.com) any info about this company will be greatly appreciated. Thanks!! T-Hard, Pensacola
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| | Friday, January 21, 2000 - 05:00 am I would avoid using any credit repair companies. Most of the time they are scams, or the "results" they get are not lasting. And anything they can do, you can do yourself. Don't spend hundreds of dollars for nothing. See our articles on how to do this yourself: http://www.creditinfocenter.com/repair
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| | Friday, January 21, 2000 - 08:13 am Anonymous: Do it yourself and report the progress here. Dealing with the credit bureaus and their partners, the creditors, is always good comic relief. It will probably work better than a credit repair company-- the bureaus don't like the light. Are you trying to remove legitimate entries, or are you trying to remove entries that are not true?
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| | Sunday, January 23, 2000 - 08:28 am How much does it cost for a credit repair agency? Are you willing to spend $200.00? Is the information erroneous (not true)? If a CRA issues a credit report on you with false information, you can sue them. After you file the suit, you can offer to settle for $2000.00 if they correct your report immediately, and they will accept the offer, and they will pay you. The amount is for you to negotiate.
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| | Sunday, January 23, 2000 - 03:17 pm Self Help should always be your first try. Many like to make it sound difficult and while it can be tedious; you can achieve probably the same results as you would using an agency. For the most part, there are few that operate honestly. You are more passionate about your credit then they are therefore, you will probably be more diligent and more cautious. Educate yourself and learn the process. IF you have many accurate items that you are trying to erase, then I caution you to know what it is worth. On the other hand if you have errors, fraud or even the smallest inconsistencies that you cannot get recognized by the bureaus then you may want to seek help from a REPUTABLE firm. Ask questions, read the agreements and trust your gut! If a company is making it sound too good to be true, then it is! We offer a multitude of free info. Read it along with the information from here and other sites and just familiarize yourself with the process. You will be surprised at just how easy you can make it on your own. Kristi Feathers CarreonAndAssociates.com
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| | Wednesday, January 26, 2000 - 06:25 am 1. write a letter to credit bureau disputing the "error" (whether true errors or not). Do not date the letter. 2. make several copies of the letter (at least 3). 3. now, date one letter and mail it to the credit bureau. 4. after two weeks, date another letter and mail it to credit bureau. 5. continue process until "error" is removed. why?.... lendors are required to reply to each dispute within 30 days of notice, if they fail to reply to one dispute the "error" must be removed by the credit bureau. don't believe it? obtain a copy of the "FCRA-Fair Credit Reporting Act". by disputing the "error" repeatedly, you are creating opportunities for the lendor to "correct" your credit report.
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| | Thursday, January 27, 2000 - 05:44 am The FCRA was ammended to address these type of "frivolous" tactics. When they notice the pattern (which they will), they will then be within the law to consider any future mail bombarding as such and toss them in the circular file. Dealing with a creditor, settling and agreeing on what the creditor does or does not report is one thing. Abusing the system by disputing a "true error" (as you stated) repeatedly (i.e., a dispute letter every three days)is something completely different. You're only helping them out ...
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