So I found your group and have learned alot to work on my credit repair but my problem is time, I have tried but after the past few weeks trying to learn everything that goes into repairing i don't think i can get it done on my own, I gave 4 small children and not alot of time, Anyway we really want to buy a home instead of paying 2100 a month rent and need our credit cleaned up can someone give me a refferal to someone reasonable who can help.
If your question/request is "who is a reasonable credit repair company?", then I recommend Apex Credit Services, who can be found here on the forum as username: apexcrsrv. The website is: http://www.apexcreditservices.com/ I usually don't recommend the use of credit repair organizations, and there is a lot you can do on your own. It does take work, and it does require time. Many of these businesses are not ethical in their approach, and are frankly a waste of money. But, if you feel it is too much for you, then I strongly recommend you contact Apex for further information.
I don't want to solicit here and I won't. You can contact us if you like and we will see if we can help. We may be able to and we may not be able to. We'll tell you that upfront. You can also go somewhere else. Just make sure that the company is both reputable and confident. They must be licensed, registered, and preferrably bonded and a BBB Member. If they can't answer each and every question clearly, walk away. If they guarantee anything, run away. If the website is junk and they're pressing you for money, report them. 99% of the people in this business are liars and 99% are morons. I don't envy the consumer trying to find a good company because honestly, I wouldn't recommend any but us. NOT ONE.