Hey everyone! I have been looking around and decided that this is the best place to discuss credit and get some real help raising my score. Right now it is a 596, eww. My first step was to sign up with credit repair.com, who, for 90 bucks a month, will be disputing the many blemishes on my credit reports. They now have all 3 reports that I have provided for them.
My next step was to remove myself as an authorized user on my gf's 2 cards. These were my only credit cards so I didn't want to do this, but they are maxed out and i was advised to remove myself because it will remove debt from my report without a negative of closing an account.
After that, I applied for an was very surprised to get approved for a 500 dollar limit CapitalOne card, which is in the mail. My plan is to use that to pay for the credit repair.com service and pay it every month.
My real question is, what do you guys think of creditrepair.com? Will their disputes really help me raise my score? 90 dollars a month is a lot for me right now, especially because I am finally grown up enough to stop ignoring collections agencies and really get my score up.
Is creditrepair.ciom worth it?
My Goal is to have above a 620 within 3 months and above a 700 by next year. I hope I'm accepted by you guys here at the forums and I'm eager to learn.
Thanks for reading this! And I hope I can become an expert and in the future, after fixing my score, stay on this board and help others!