Credit Counseling Question - Sky Blue Credit Repair vs. Lexington Law vs. Any Recommendations?

[Edgarito]

Hello,

I have really bad credit and I'm looking to fix my credit score. I opened a secured credit card through US Bank about 5 months ago and now I'm thinking about using a credit counseling service such as Sky Blue Credit Repair or Lexington Law. Does anyone have experience with those agencies? Any recommendations? I need some help dealing with some of the collections and anything else effecting my credit. I was hoping the agency could reach out to the companies where I owe money and help create a payment plan or something to that effect.

Thanks,
Edgar

[Allisson0605]

IMO bad idea!

The pros will chime in, you need to start reading , the answer to all your questions are on this board, start with the newbie section, read, read, read and then read some more.

 

Good luck!!

 

It works if you work it!!

[NTB]

I used LL for over a year. Payed them a lot of money also. IMO they kinda caused more problems than good. If I had to do it all over again, I would have started here. I've made more progress with the help of CB, than I did using LL. Put in the work yourself, save your money, and educate yourself in the process. Don't be afraid to inbox the more sensible members as some of these forums can contain conflicting advice. Much luck!

[Edgarito]

Hi Allisson0605 and NTB, thank you for the information. There's definitely a lot to read through. I made an appt with a credit counseling company in Minnesota but cancelled the appt after reading your feedback. Thanks!

[NTB]

You just saved yourself some money.