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Posts tagged with: credit repair

Credit Repair – Help Me Find the Best Methods

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Last year, without consulting the BAD community, I moved forward with a paid credit repair place to the tune of $400….over a year later and nothing has changed. In fact, it has mostly gotten worse.

$400 down the drain!

Now, I am wiser, I hope, and way more cautious. But I desperately need to make progress on my credit score. With that being said, I have been doing quite a bit of research.  That’s where the Self Lender loan idea came from.  I am looking at 609 letters, goodwill letters, paying things off and so on. But I want to make wise decisions and use my time and efforts wisely.

Credit Warriors

One place I have found particularly helpful, and no, I have not spent a dime, is Credit Warriors. I especially like their Facebook group. It’s good to hear about other’s successes in traveling the path I am just now started. My number one goal is get to my credit score up significantly. And in learning more about it, I want to teach my kids more about it.

So BAD Community, here I am asking for your best tried and true guidance for credit repair: links, first hand stories and so on. I am game to hear it all.

 


Small Goals Met – Emergency Fund, Credit Repair and more

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Just dropping in to share some exciting news…I’ve met one of my small financial goals on my road to getting back on my feet.  I now have $1,000 socked away in an emergency fund.  Woohoo!

With that goal met, my next goal is to clear up my credit a bit.  When I originally met with the mortgage company a few years ago regarding financing our build, they referred me to someone who came highly recommended.  At the time, I was able to qualify for the amount needed without it, my credit actually wasn’t too bad.  (Not good, but not too bad.) But now…yea, it’s in the pits.

Since I am able to pay my bills on time again and have relatively steady although fluctuating income, I decided it was time to get that going.  So I met with the company this past weekend, put down the non-refundable $400 deposit and now just have to wait.  Their work typically takes 2 months but can take up to 4 months.  So we will see.

Last small update…I am just a little over a month from having my ex-husband’s car paid off.  Sticking to him paying these last 2 payments.  I am looking forward to transferring the title and being rid of this last legal financial tie (excluding our kids but that is not at all the same thing.)

I haven’t forgotten about getting a real numbers update to you.  I will, I promise.  Thanks for your patience with me.

But I do have a question for you…have you ever used a credit repair service?  Experience?