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Re: Credit repair firm


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Posted by Woodman (128.255.134.150) on January 28, 2003 at 13:06:04:

In Reply to: Re: Credit repair firm posted by LadynRed on January 27, 2003 at 16:06:58:

As "newbie" to this forum, I want to say thanks
for all the folks who are so willing to help with
the credit repair saga. I know that I have the
knowledge and skills to do all of this myself,
but the learning curve is rather large at this
time AND I hesitate to do something that will
really place greater negative on my CR's. I
have several items that I want to "change" the
reports on, but am unclear as to where to
start. The 3 outstanding ones at this time
are with Montgomery Wards (ca is Midland
Credit), Providian (ca is RMA) and Fingerhut
(ca is - I don't have it front of me). They all
show collection even tho they are all beyond
Iowa SOL. The "cleanup" process must start
somewhere, but WHERE? I am not unwilling
to pay ALL if several conditions can be worked
out - remove ANY negative notions and
remove ANY reference to a CA, including the
CA itself.
I ordered the book "Good Credit Is Sexy" by
Kristy Welsh with the CD of form letters. I
read that last night and got many ideas. But
which one and how do I get this started.
That is the MAIN reason I was looking at using
Lexington Law. They must have the entire
process reduced to step-by-step.
I don't want to get into frivolous demands with
the CRA's. If I dispute items will the CRA's
conduct themselves in a business manner?
I apologize for this lengthy folowup, but hope
that someone may add some additional hints
before I jump into this process. Thanks to
all of you.


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