Does Credit Repair Work?

Identify one credit repair company, using what you learned in Tuesday’s class or information from the Improving Credit section from MoneyWise would the repair company actually benefit a consumer, why or why not? Please provide links.

Sky Blue Credit - I would probably recommend this company to people looking to improve their credit because it has free case evaluation, disputes credit items on an individual basis, makes no impossible guarantees, and is well-reviewed.

Covenant Credit Repair local to the DFW area seems legitimate. They seem reputable with no outlandish promises, and are upfront about the ability of prospective clients to mend their credit report problems themselves. They kill you with text overload that doesn't seem to answer much and don't explain their pricing without a call.

https://www.creditrepairsdirect.com

This online credit repair website seem very legal. They will help people to monitoring credit report and communicate with credit company when you have problem in the credit report.

http://waynethecreditguy.com/

This service seems legitimate. The owner has appeared on radio and talk shows and has a certification in Fair Credit Reporting Act. The website is filled will useful factual information as apposed to outlandish claims which are common on scam sites.

I think I can work if you have a reputable company however, ultimately I feel your finances are better handled by you.

Before even consulting a credit repair company, I would first pull a free credit report and look at every item on the report. I would highlight any that do not seem correct.

I would not call any credit repair company that has a 900 number, or work with one that cold calls me.

After the credit report lecture, I am not sure that I would use a credit repair service. It seems like I could do the work myself.