tim holthaus success systems - credit repair-anyone have any experience with them-good or bad?
435787
Be carefull with any credit repair agency.  Alot of times you will end up with a lower credit score when it is all finished. Just sleep with one eye open with all these companys.
392979
I finance people (and first time home buyers) with credit challenges.  There are limits though to what a mortgage company can do.\n\nAs far as our friend that said don't search for companies on the internet, I would say, as a Mortgage specialist, that he is only half right.  I mean really, I have seen people get ripped off from mortgage companies in the yellow pages, as well as the internet.  They are just harder to get to when over the internet.  Luckily, I am a mortgage banker and have offices in New York, so you have nothing to worry about.\n\nIf you would like to possibly get pre-approved for a mortgage, please contact me at timothy.kazee@americanhm .com and we can talk more about this.  If nothing else, I would be more than happy to direct you on how to get to the point of home ownership.  \n\nI will look forward to your call.
555665
You need to be carefull with either types of companies, as they make offers and promises they can't keep.\n\nKeep in mind that most of the things these companies can do, you can easily do yourself.  They charge you a great deal of money.  All you need to do is educate yourself.\n\nRead the links below for information about credit repair/cred counseling scams.  This comes right from the FTC.
799765
Unfortunately I don't hold out much hope for you getting anything from Andy's.  I too discovered (unfortunately too late) they're a very disreputable company with a significant number of unresolved/ignored complaints filed with the local BBB in Milpitas, CA.  Their employees simply lie to you about cancelling orders and providing refunds.  Your only recourse is to dispute the charge with your credit card company as I have done.
765780
hey dont lose hope dearie I am sorry to hear that, Ive been through a lot of financial troubles too and I always got assistance from NHBS, Inc. they are a team that works with the best lending institutions...try contacting them and I do hope you'll get thru all these ,\n\nhttp://www.newhorizon.org\n\nIm sorry I can only give you their site, not contact info but I think it can be seen on their site too\nall the best\nhave a super day
169
i have used Dunbar,Cook and Shepard and the accountant was very good.As far as the "reasonable"part goes,they may have been a bit more than someone down the street,but if they are thorough and save you money-it's worth it ,isn't it?
817065
I am impresssed with your vigilence.  Be patient.  It may get worse before it gets better.  \n\nThe following article is about credit repair and most of it will not apply to you but there is still some good information in it.  There is also a link at the very bottom of it that will take you to a law firm that specializes in the matter.\n\nhttp://www.fastlender.com/article/credit-repair.aspx\n\nGood luck - I hope you get to see the scum thrown in jail.
763544
Credit repair services are a hoax.  Avoid them.\n\nCredit counseling services, however, aren't about your FICO, but about debt reduction. Some of these have a bad reputation, too, so only use them as a last resort and read all of the fine print.\n\nThe only way to improve your credit is to start rebuilding it over time. Get a low-fee secured credit card. Pay it off monthly, and let time heal your credit.
612128
IT IS QUITE POSSIBLY THE WORST OF ALL.  HOWEVER.  THEY DO GIVE A STARTING LIMIT OF ABOUT $500.00 AND CHARGE ABOUT $180 TO GET IT GOING SO YOU END UP WITH ABOUT $$320 IN ACTUAL CREDIT.  \n\nTHE CREDIT INCREASES ARE USUALLY ANYWHERE FROM $200 TO $400 A FEW TIMES A YEAR.  BE CAREFUL BECAUSE THEY CHARGE YOU $100 TO INCREASE YOUR CREDIT AND THEY TREAT IT AS A CASH ADVANCE SO YOU PAY A PREMIUM INTEREST RATE FOR THAT SERVICE.\n\nI WOULD STEER CLEAR OF IT IF POSSIBLE.\n\nTRY FOR A CAPITOL ONE CARD.  LOWER CREDIT LIMIT BUT HARDLY ANY FEES AND A DECENT COMPANY TO DO BUSINESS WITH.\n\nYOU COULD ALSO DO WHAT THE GUY ABOVE TALKED ABOUT WHIT THE CD THING BUT THAT TAKES MONEY UP FRONT AND THERE IS NO GUARANTEE THAT YOU WILL GET A LOAN EVEN WITH THE MONEY FOR COLLATERAL.\n\nI WOULD ALSO ADVISE TO JUST STEER CLEAR OF CREDIT CARDS, IT IS AN EVIL WEB TO GET TANGLED UP IN.\n\nGOOD LUCK!
270865
Normally I recommend that you do not mess with credit repair services if you can help it. Many are a scam.  They charge you hundred of dollars to do stuff that you can do yourself.\n\nYour case appears to be a little more complex.  You need instant relief (which I seriously doubt you will get).  Not only do you need to work with your current creditors, you would want to work with the mortgage company.  They seem to be very unreasonable about their demands to clean up your credit report.\n\nYou may need the help of a trained negotiator.  I don't know your current income situation so I can't be of much more help here.\n\nRead the links below and decide what you would like to do.\nGood luck.
276111
Before wasting any of your money on a credit repair agency, read the links below.  Much of the work you can handle yourself.\n\nNon-profits will still charge you a fee, they are just not as high.  In my opinion they are still not worth the money.
796660
Had a friend who used them and wasn't impressed.  Customer service was not great.  He ended up going with http://www.thinkfinancial.com and he said they were very helpful and easy to deal with.  Received his money quickly.  Terms of the loan are pretty much exactly the same and the customer service was great.  Good luck.
515787
I've done bankruptcy for years for clients; the website is slick, but I've never heard of these people, and I'm in Texas.  Check them with the Better Business Bureau and the State Bar of Texas -
831889
How bad is it? Do you need a band-aid or a surgeon?\n\nHave you called consumer credit counseling?
406947
Oh!  Another dragonfly!\n\nNo I haven't used them, and yes, I'd be worried about all of that data because you don't want a bunch of bozos pulling your credit report and driving your credit score down.  I used CTX Mortgage and they were good.  They are their own lender so their margins are bigger than many banks because they are lending out their own money.  Or try www.naca.com if it's your first home.
706879
Yes, they are flaky.  But that depends on the bank issuing the MC.  I have one that I have had more issues that I like.  Be sure you have all of your info together when contacting them and don't accept a customer service rep's answer if you are not satisfied.  Ask for a supervisor.  \n\nDiscover is the best I have delt with.  They corrected issue immediately and professionally.
67196
Prima facie I do not think there should be any difficulty in getting the loan .   Probably your bad credit is haunting you .   Assuming you have bad credit ---due to any reason whatsoever --- it should be possible to explain to the potential lender the reasons which led to the problems .  You may further convince the potential lender that the causes --which led to bad credit---no longer exist .   It is a question of putting up your story in a proper way .   Of course the problem can be solved quickly if the lender listens to your story with empathy .  If this does not work , --as a stratey ---you may try high cost loan where the credit rating may not be an issue .   After repaying some part , you can approach a new lender who offers you " take over loan facility " at a soft rate.    He will be guided by the latest record of repayment .   All in all , it should not be difficult matter.