Credit Repair/Rebuilding Nonsense

[anewyou]

There is no such thing as credit repair. The only possible recovery is with time, just like a hangover! Be careful of the myriad Internet scams offering new identity, new 9-Digit numbers, anything like that. It is ALL patent BS and will only serve to separate you from more of your hard earned money.
I am an American living in Mexico and have a very interesting story to share. If you want to hear it inbox me or email me. This is a tale worth hearing and could be quite fortuitous to the right person. Anyone having serious money/identity problems should hear this story. It is an eye opener.
I am NOT selling anything here. Anyone who wants to hear the story is welcome to request it FOR FREE. So please, no busy body needs to report me to a mod. I don't look over your fence, please don't look over mine.
Look forward to hearing from anyone...

[Flamingo]

If you did a search on this forum regarding your subject, you will find numerous postings advising that credit repair is a rip off and is something that anyone themselves can do. There are places out there to make money off of anyone that has any problem and everyone just needs to do their homework before they sign on the dotted line or click the link online agreeing to anything.

[Amy26]

I am totally in agreement about the repair services being a sham and a waste of time and money but I do not agree that "time is the only thing that will fix your report" ... time of course helps everything but you definately need to do your own credit repair efforts if your goal is to rebuild credit again. I know lots of people that totally ignored their credit post bankruptcy thinking that "time would heal all wounds" and then 2 years later they find their credit score is still under 600.

[IBroke]

I am totally in agreement about the repair services being a sham and a waste of time and money but I do not agree that "time is the only thing that will fix your report" ....

Me neither.

If you are planning on having good credit again some day, not doing ANYTHING after your discharge is actually a waste of time and causes the so-called "BK-gap" on your credit-file. In case you need credit again at some point in time, you might be sorry you didn't rebuild credit after you were discharged. And I'm NOT talking about getting into debt again.

[bkdone]

Credit needs tending, just like a garden. You've got to eliminate the weeds and feed/water it. I agree that in time it will grow, but you've got to do some of the work too. Those companies cant do anything for you that you cant do for free. It just takes diligence and patience.

[tobee43]

Credit needs tending, just like a garden. You've got to eliminate the weeds and feed/water it. I agree that in time it will grow, but you've got to do some of the work too. Those companies cant do anything for you that you cant do for free. It just takes diligence and patience.

great analogy ...LOL!!! we have learn TIME...helps you credit repair...just like it makes our flowers bloom...LOL!!