Of the major credit repair organizations, only Lexington Law has received an A rating from the Better Business Bureau. The Credit People and CreditRepair.com received high ratings from their consumers online, but are not rated by the Better Business Bureau. These companies don’t do anything you can’t do yourself, but they may be worth your money if you’ve got a lot of negative information to remove.
as I have 3 small debits for under $150 each for medical & 2 that are for the court (MUNICIPAL) that are about $1000 in total. so with everything I have a debit of about $1500 total that is killing my credit. was wanting to get a $1000  fixed interest rate Secured credit card at about 5.99%-8.99%. & start paying off Debit, killing 2 birds with one stone. instead of just paying the debit with cash, use a low interest Secured credit card. paying about $200 month then leaving a low balance of $25 on card to continue to get credit once debits are paid in full.
However, each model weights the information differently. This means that a FICO® Score cannot be compared directly to a VantageScore® or an Equifax Risk Score. For example, a VantageScore® does not count paid items in collections against you. However, a FICO® Score counts all collections items against you, even if you’ve paid them. Additionally, the VantageScore® counts outstanding debt against you, but the FICO® Score only considers how much credit card debt you have relative to your available credit.

We made the following tips as practical as possible to give you both the structure of a plan and a clue about how to actually stick to it. Knowing what to do and actually doing it are two very different things, after all. We also explored how long the hands of time will have to turn before you can put bad credit behind you, hopefully once and for all.


When possible, avoid closing credit card accounts. The longer your credit history, the better your score. However, if you are very far behind in your payments, you may not have a choice. A payment plan may require you to cancel your credit card. If possible, though, keep your older accounts so that you have a substantial credit history on your side. (See also: How to Avoid Getting Your Credit Card Cancelled)
The FCRA section 605(c)(1) states; The 7-year period… shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
The Fair Credit Reporting Act gives you the right to dispute anything on your credit report.  If an item cannot be verified, it must be removed.  This is the basic principal of all credit repair.  Even accurate items can also be removed. You just need to learn the rules.  Credit repair specialists know these rules, but it's important to know that there is nothing a credit repair company can do for you that you cannot do for yourself. However, the work can be tedious so this is why credit repair companies flourish. It's a lot of record keeping. Credit Repair Software can make it easier and faster, by guiding you and generating the letters but you can get the job done with Microsoft Word, as well.
Making your credit payments on time is one of the biggest contributing factors to your credit scores. Some banks offer payment reminders through their online banking portals that can send you an email or text message reminding you when a payment is due. You could also consider enrolling in automatic payments through your credit card and loan providers to have payments automatically debited from your bank account, but this only makes the minimum payment on your credit cards and does not help instill a sense of money management.
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