need help on credit repair

Discussion in 'Credit Talk' started by bgolden, Jul 12, 2000.

  1. bgolden

    bgolden Guest

    Here is my problem...Me and my husband have had about 15 accounts that went bad about 6 years ago. I have been doing credit repair on them for about 2 years off and on and I'm down to this left on our credit.

    equifax me 1 bad account
    trans union me 3 bad accounts
    experian me 6 bad accounts

    equifax him 4 bad accounts
    t. u. him 8 bad accounts
    experian 8 or 9 bad accounts

    I read about this program called direct credit, the site is wwww. but it is 49.00. Has anyone used this? or do you think I should just keep doing it my self. The credit bureaus especially experian, don't want to verify. they say they already did, so needless to say i need some advise. thanks
  2. dave

    dave Well-Known Member


    credit repair is a ripoff. they can do nothing for you that you are not capable of doing yourself.

    you can ask credit bureaus to verify entries on your report but this is not a wise thing to do if you know they are valid and can be verified.

    If the bad accounts are already 6 years old, you should do nothing since the Fair Credit Reporting Act, a federal law which governs how long derogatory information remains in your file, requires credit bureaus to remove
    unpaid accounts seven years after the last activity or charge off.

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