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ptilda wants to know:

I’m recently working on getting divorced & my credit was badly damaged because of that. My bank is working with me to help me recover, but I am looking for a basic credit card, not necessairily a large line of credit, and one with REASONABLE fees and interest rates. Also, looking for credit repair services that really work and that areasonably priced.

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Monika P wants to know:

I need to repair my credit but honestly do not have the time to do this myself. Has anyone ever used an agency that acutally worked and if so how long did it take?

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snwbrdr960 wants to know:

I came across some programs offered by, ex-bankers, ex-credit bureau agents that offer tactics and software that enable you to repair your credit. They claim to be able to create a new credit file. Anyone know if they work? What happens to your old credit file?

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jacquefromtexas wants to know:

I’ve never had a credit card (although my credit sucks) and heard they’re a great way to repair credit. Any tips?

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Lane D wants to know:

I want to start a credit repair business and need to know the resources that can help me to get started.

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msmyanka wants to know:

can someone please tell me a real credit repair company ,and how do o know if there real are fake ? i’m trying to repair my credit so i can buy my first home.

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lucas r wants to know:

Where I can learn about a credit repair business?

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Organman wants to know:

I’ve seen the hard sell credit repair ads and have some ideas of my own but I know there are a lot of tricks. Any suggestions from all the big brains out there?

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leah_ifft@sbcglobal.net wants to know:

I currently work as a mortgage broker who specializes in bad credit loans. I have helped many of my clients understand their credit reports and what they can do to improve their credit.

I love this part of my job, am good at it and would like to turn it into a source of income.

I would like to take a credit repair client, obtain their credit reports and explain the information contained in them in detail. I would give recommendations about what they can do to raise their score and a detailed step by step plan of action. For an additional fee, I would dispute incorrect items on their behalf.

I plan to keep my prices low and offer honest, realistic advice specific to the individual’s situation and goals.

What certifications or licenses do I need to start a business that does this?
I did find out I need a $50,000 surety bond for this. How do I get that?
I have checked my state’s website and most of the information given there was pretty vague. I’d like to hear from someone who has done this before.

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nebula7693 wants to know:

I am conducting research on credit restoration/repair companies and scam artists. Anyone who reads my posts knows that I am a proponent of credit restoration. And I support using the three legitimate credit restoration companies in the US. But I would like to hear of any experiences people have had with others. I do not want to hear about Lexington Law. I already have mountains of data on them, and not much of it good. I want to hear about all the others out there. Let me know who you used and what the results were. People who only want to post that credit repair is a scam, please do waste my time with your uneducated claptrap, I want legitimate answers only please.
Thank you for your answer, Rose. I appreciate you taking the time to answer my question.

Lydia, I am in agreement with most of your answer, but I was just wondering what question are you answering? You posted it in the wrong place. Your answer has nothing to do with my question.

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Radiostar73 wants to know:

Any idea how much it costs to have a credit repair company try and fix your credit report
I know that credit repair is mostly a scam, but I’m curious about the actual amount

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zachary b wants to know:

Do you people know what is credit repair business is ?

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Cayden E wants to know:

How can I start a credit repair business?

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jeremy j wants to know:

What are the best ways to start a credit repair business?

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Stone C wants to know:

Currently my credit score is very low as i did not make any payments since1999 and so on because of which 3 of my Credit Card companies charge off, reported loss or Cancel/Closed the accounts, and they in turn sold them to Collection companies who are reporting them every year to the credit bureau, by which my account looks so bad most recently they reported in December 2005, I know it’s my mistake and i want to repair it, Some one told me that even if i repay the whole thing still it does not help me as the history of past 5to6 years still remains the same in you history is their any other way which helps me in repairing my credit, Please advice me a good solution.