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    bmarkeata's Avatar
    bmarkeata Posts: 4, Reputation: 1
    New Member
    		  
    #1

    Oct 11, 2008, 06:01 AM
    Credit restorartion
    I have been renting for 14 yrs and wants to buy a house but now have credit issues or the companies legit that offer to clean your credit or can I do it myself if so how? (Texas)
    excon's Avatar
    excon Posts: 21,482, Reputation: 2992
    Uber Member
    		  
    #2

    Oct 11, 2008, 08:33 AM
    Hello b:

    Yes, some are legit, some aren't. Yes, you can do it yourself. Get a copy of all THREE of your credit reports and follow the instructions for challenging incorrect items.j If it isn't removed the first time, challenge it again.

    excon
    froggy7's Avatar
    froggy7 Posts: 1,801, Reputation: 242
    Ultra Member
    		  
    #3

    Oct 11, 2008, 08:45 AM

    And it depends on what you mean by "credit issues". If the issues are that you haven't been paying your bills, been paying late, or have too much debt on credit cards, no, they can't fix that. You can, but only by paying down the debt, on time, etc.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
    		  
    #4

    Oct 11, 2008, 08:47 AM

    You can remove any incorrect info from your credit report, beyond that over the next few years you start paying all your bills on time and improve your report
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
    Uber Member
    		  
    #5

    Oct 11, 2008, 03:12 PM
    Quote Originally Posted by Fr_Chuck View Post
    You can remove any incorrect info from your credit report, beyond that over the next few years you start paying all your bills on time and improve your report

    Posted twice - should be combined.

    Otherwise - ditto.
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