I joined this CO two weeks ago and got a nice professional welcome kit yesterday. They offer a credit rebuilding service for $8.00 per item removed. Has anyone used it, if so how well or bad did they do. Thanks Steve
RE: Has anyone used JUNUM.COM' Credit Repair company's can't do anything legally that you can't do yourself. Stop wasting your money. Many of them fold quickly and set up shop under another name. The only way to repair your credit is to pay your bills ontime (if possible). Make creditors aware of any financial situations that may prevent you from making the minimum monthly payment. Some will offer you a short term repayment program waiving all interest and fees. If the debt is already written off by the company, many will negotiate a pay off balance. When establishing new credit, remember it's not FREE money. When you obtain credit use it responsibly. We all little spending sprees we like to go on. My personal policy is never to spend anymore on credit than can be comfortably repaid within a 6 to 12 month period. That way you're never over extended.
