kateroth84 asked:


I’m looking for a legit credit repair company that you pay a minimal fee to use and they contact the companies for you. My credit report does not just have credit cards on there, they also have bills, delinquent bills misc, so it’s not just a credit card company I can write a letter too. Is there anyone who has actually used a company and has experience with this? I know this will take time, I’m not looking for a 6 month miracle.

Shelley Green asked:


The best way you can find the best credit rates for your cards is do research. The fact that you are reading this article means that you have started your research already, so you are already on your way to getting the rates for you.

You need to compare various credit card companies to discover the best credit rates and those that will benefit you the most. Comparing the different cards and rates can help you make the best choice for you. There are also other factors to think about when choosing a new card, such as other charges and fees.

You must asses your personal needs and think about how you are planning to use your new card. The most ideal credit card for you will be the one that will work best with your spending habits and your personal needs.

Many independent companies offer expert advice and also great tips about all different aspects regarding credit cards and the best credit rates.

There are so many different credit cards available on the market today. They are all offering various deals and what they say is the best credit rates. These are all being offered right now and you only have to look in the shops, magazines, television and internet to see the world plastered with advertisements for credit cards. You must remember to choose the best credit card with the best credit rates for your personal needs. It is advisable to have as many facts as you can so that you can decide wisely about the best option for you.

Sometimes looking for a new credit card can me like searching for a needle in a haystack and it can be really quite confusing. To make the it all easier to understand you are able to contact a credit card agent or you could call up their customer service representative. These people should be able to give you the information that you are looking for. The information will help you to compare the best rates among the bad. There are also comparison services available for choosing credit cards. Trying to find the best credit rates and best credit card deals make take some time, but it will be worthwhile in the end, if you get the best card for you it is likely to save you a lot of money in the long term.

Jordan FeRoss asked:


If your credit rating is low and you can no longer get credit you may need to look into credit repair to get your score back in line. You can hire a credit repair company to help get incorrect information removed from your credit report.

There are many credit repair companies to choose from so you should not have any trouble finding one to help you. However, be sure to do a little research so that you hire a reputable company. A good place to start your research is the Better Business Bureau. The BBB has a website to make your research faster and easier.

The credit repair company acts as a go between for the consumer and the credit bureaus. The main purpose of the credit repair company is to dispute items on the consumer’s credit report. The consumer may have tried to contact the credit bureau on their own and not had the advantage to get the items removed. If this has happened to you then you will need to contact a credit repair company to talk to the credit bureaus for you.

By contacting a credit repair service you have made the first step towards getting the help you need in correcting your credit report. They will act as a mediator between you and the credit bureau until the items are removed. While they are working with you, you will have a chance to go over your entire credit report to make sure that all discrepancies are corrected.

The credit repair companies will charge you a fee in order to perform their services. Some of the fee will go to retrieving your records from the various credit bureaus. The credit bureaus will charge your credit repair company for each item that is removed from your credit report so part of their fee is used to cover this cost also. The consumer should be aware that it can take some time for all the items to be corrected at all three credit bureaus but once all is done your credit score should start to rise.

Since credit repair takes a while to accomplish you will be dealing with your credit repair company for quite some time. The goal of the credit repair company is to get all bad information off your credit report and to make sure that it is not put back in by any lenders or other financial institutions. Even after all is complete with the credit repair company and you see the resulting rise in your credit score you need to stay vigilante. You need to check your credit report at least once a year to make sure that no other erroneous information has been put back on your credit report.

One thing that a consumer needs to keep in mind is that the credit repair company will not remove any information that is correct even if it is detrimental to your credit. It is unlawful for them to do this or even attempt to have it done.