Your Questions About Credit Repair http://bit.ly/ptsNEx Linda asks…Credit Repair?I have no idea where to start to repair my credit. They are always offering free credit reports but I am leary of that. Could someone please tell me where to start?Credit-Repair-Guy answers:Find out what's on your credit report. Contact the creditors that are trying to get you to pay. I'm sure you received letters in the mail, saying that you are late or they are going to repossess or something. Start paying something. Call the creditors.Daniel asks…Credit repair?I want to repair my credit I know this will take some time however, I have come into some money and want to pay everything offf thats on my credit if I do so what will happen?

will be removed?
will my score get higher?

I'm so clueless as to what will happen after I pay them all off and its kind of embrassing Im only in debt by 3000.00 how sadCredit-Repair-Guy answers:So you've come into a bunch of money...time to repair your credit.

First thing I would do is get a copy of your credit reports and find out what you need to settle. Secondly, don't deal with the collection agencies unless the original creditor absolutely won't talk to you.

I would recommend paying off your open credit cards first. Then tuck them away and don't use them. This will take care of the "%available credit" part of your credit score"

The next part is cleaning up your delinquint accounts. Call your creditors and see if they will settle for 50% or less of your delinquent balance.

Demand that you get a copy of the settlement in writing BEFORE you send them a check. Make sure that any settlement agreement you reach includes what they will do with your credit report...you can see if they will take it off of your report, but if they won't at least demand that they put the phrase "pays as agrees" or "paid in full" on there. The ideal is that they remove the item from your report entirely.

If the creditor sent an item to collections, call the collection agency and demand that they remove the collections item from your report. (This will improve your score).

Start with the lowest delinquent balance first and work your way up...the more line items you can remove from your credit file the better.

Good luck!Mary asks…credit repair?does a debit card repair credit in the same way that a secured credit card does? if not, what's the best secured credit card out there (lowest cost, etc.)Credit-Repair-Guy answers:A debit card does not appear on your credit report. A debit card is linked to your checking account and has a Visa or Mastercard logo so that you can buy things over the Internet, over the phone, or at a store without having to enter a pin number.

Secured credit cards are sometimes just a scam, so be careful. The best way to build credit is to get a savings or CD secured loan through a bank.Robert asks…Do credit repair services work? Which is the best agency to go through?I have paid for alllllll of my old collection accounts and I'm just waiting for them to drop off of my credit reports. I've been looking into credit repair service on line and wondering if they can actually help. All of the items on my reports are actually MINE and I did actually owe them, but they are all FINALLY paid off. Is there any hope to get them removed quickly?Credit-Repair-Guy answers:Do it yourself & Do some research. Most of this stuff you can do on your own and save a lot more money.George asks…Credit Repair: Are there any certification programs I can take to learn how to do Credit Repair?I would like to learn how to do credit repair. Are there any certification programs? Any suggestions would be highly appreciated. Thank you.Credit-Repair-Guy answers:If you are looking for the best credit repair site, check out this site

http://bit.ly/pxD9we

Here you can improve your credit score rating and reduce your debt with the help of an expert analysis.Powered by Yahoo! Answers