Where can I find a reliable credit repair company?
Question by : Where can I find a reliable credit repair company?
My credit is terrible because my mother has been using my social security number for her needs. When I asked her about it she said “It is a mistake and they must have merged our credit reports.” Is it really possibly that our reports have been merged or is she just trying to cover her tracks? And where can I find a reliable credit repair company?
Best answer:
Answer by Tigg
You can do it yourself without paying a penny. First get a free credit report at http://annualcreditreport.com then write all three reporting companies and challenge all incorrect info.
Worse happens your mother used your SS number and will be arrested
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It’s not a mistake. Your mother used your SSN for her benefit. There’s no way they can merge your credit report with your mother’s. You have separate SSNs. Did you apply for credit with your mother? Probably not or you would not have posted this question.
The most reliable credit repair company is the one you see in the mirror. Most of what the credit repair companies do, you can do yourself. And YOU can guarantee that it gets done.
Here’s what you must do. Some of it will be very tough. Get copies of your credit reports. Find out what is fraudulent. Then file a police report. Mom might get arrested on a criminal complaint. Then visit this site for more info. If you don’t follow these procedures, your credit will remain in the pits because by default, you are admitting that the debts are legitimate and you owe the money.
http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html
So you need credit counseling service. Sometimes back I used the website http://www.reduction-debt.com/ to repair my credit. check it.
Greenpath Debt Solutions is great. They’re a non-profit with offices all over the country — do an online search.
you can find reliable companies over the net, search on the key word credit repair business or any related word. you can find many.
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