Question by sasha1641: Can you really repair ‘bad credit’ on your own, ? How?
A friend has some late payments and some old credit card bills as well as an incorrect item on her credit. How can this be repaired. She does not have the funds for an attorney and those companies that claim to “repair bad credit” are sometimes a scam. Help me to help her.
Best answer:
Answer by mel s
You need to find a non-profit agency if you want outside help. You are right, some companies will rip her off. Consolidate if at all possible, and a friend of mine recently told me that she wrote to all her creditors and told them her problems, and they either lowered her payoff or lowered her rate (except for Sears, they wouldn’t compromise).
My brother had a doctor bill, he went to the hosp. and told them that he would pay it off if they would lower the total and they reduced 50%
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