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Rainmaker
397,341
Peter Testa
Nationwide Homes - Danbury, CT
PETER TESTA

The way you are asking the question is kind of bias. When you say "are there any legitimate..." You're steering responders to speak about credit repair companies negatively. Perhaps a more politically correct way to ask the question would be "How can credit repair companies help fix someone's credit?" "How successful, or not, are they at this?""Any recommendations?" Capece?

May 07, 2018 11:01 AM
Ambassador
2,479,638
Debe Maxwell, CRS
www.AtHomesCharlotte.com | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
Charlotte Homes for Sale - Charlotte Neighborhoods

I'm sure there are but, agree with Peter Testa - just as all agents are not created equally, nor are all credit repair companies. 

May 07, 2018 11:16 AM
Rainmaker
2,855,323
Michael Jacobs
Coldwell Banker Residential Brokerage - Pasadena, CA
Los Angeles Pasadena Area Real Estate 818.516.4393

Anywhere?  If I needed such a service in my area, I would be discussing strategies with a preferred lender and the person who asked for assistance. 

May 07, 2018 10:51 AM
Rainmaker
4,552,751
Roy Kelley
Realty Group Referrals - Gaithersburg, MD
Roy and Dolores Kelley Photographs

Your trusted local mortgage loan officer will provide advice.

May 07, 2018 11:10 AM
Rainmaker
926,052
Corinne Guest, Managing Broker
Barrington Realty Company - Barrington, IL
Barrington, a Luxury, Country Suburban Lifestyle.

I have never had the need for one, so I don't really know. But isn't credit repair as simple as checking your report and objecting to inconsistencies and errors, then taking control of your spending and reducing debt and high use of revolving credit. A good lender can help you.

May 07, 2018 12:45 PM
Rainmaker
660,221
Pete Xavier with AffordablePlan.org
Investments to Luxury - Pacific Palisades, CA
Outstanding Agent Referrals-Nationwide

YES! You would need to investigate carefully to find the good legitimate ones from the forest of many. I know the legal advanced tricks of the trade (paid a heavy price and signed a ADA), however this is not my business.

May 07, 2018 11:47 AM
Rainmaker
3,681,828
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy

I agree with Roy Kelley 

May 07, 2018 11:47 AM
Rainmaker
4,213,792
Barbara Todaro
RE/MAX Executive Realty - Franklin, MA
"Franklin MA Homes"

I'm sure you'll find one.... I don't know of any....

May 07, 2018 10:52 AM
Rainmaker
559,049
Anthony Acosta - ALLATLANTACONDOS.COM
Harry Norman, REALTORS® - Atlanta, GA
Associate Broker

I agree with Roy Kelley 

May 08, 2018 05:18 AM
Rainmaker
2,258,101
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

Find someone you can trust first and pay later

May 07, 2018 01:55 PM
Rainmaker
2,346,851
Nina Hollander
RE/MAX Executive | Charlotte, NC - Charlotte, NC
Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor

Yes there are. 

May 07, 2018 12:01 PM
Rainmaker
368,834
Greg Large
ERA Real Solutions - Grove City, OH
A Tradition of Trust

Yes there "are".

May 07, 2018 11:57 AM
Rainmaker
2,423,229
Richard Weeks
Dallas, TX
REALTOR®, Broker

I'm sure some do better than others.  Looks for referrals before you make a decision.

May 07, 2018 10:49 AM
Rainmaker
1,188,604
Bob "RealMan" Timm
Alliance Real Estate - Minot - Minot, ND
Bob Timm, Broker Associate, Alliance Real Estate

Thankfully  I've never needed this kind of service so I'm of no help to you.

May 07, 2018 07:32 PM
Rainmaker
1,361,649
Lyn Sims
RE/MAX Suburban - Schaumburg, IL
Schaumburg IL Area Real Estate

I am sure there is one out there but I don't know where it is.

May 07, 2018 04:49 PM
Rainmaker
2,334,035
John Pusa
Berkshire Hathaway Home Services Crest - Glendale, CA
Your All Time Realtor With Exceptional Service

Many great responses!

May 07, 2018 02:22 PM
Rainmaker
2,574,016
Kathleen Daniels
KD Realty - 408.972.1822 - San Jose, CA
San Jose Homes for Sale-Probate & Trust Specialist

Yes.  I would start with a trusted lender. 

May 07, 2018 02:13 PM
Rainmaker
643,948
Jeff Pearl
RE/MAX Distinctive / LIC in VA - Lovettsville, VA
Full Service Full Time Realtor

Start with the loan officers.

May 07, 2018 02:09 PM
Rainer
180,119
Caroline Gerardo
Eagle Home Mortgage, LENNAR HOMES Home Loans - Newport Beach, CA
C. G. Barbeau the Loan Lady

If you need credit repair, my parent company puts you in a program for free, with great results, I don't sell or do the work - we just want you to look your best on paper

May 07, 2018 01:37 PM
Ambassador
1,341,731
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

The best plan is to cut up the credit cards andd reduce debt. There, that will be 5C please.

May 07, 2018 01:23 PM
Rainmaker
2,881,454
Tony and Suzanne Marriott, Associate Brokers
BVO Luxury Group @ Keller Williams Arizona Realty - Scottsdale, AZ
Serving Scottsdale, Phoenix and Maricopa County AZ

Peter Testa nailed this one!

May 08, 2018 05:32 AM
Rainmaker
2,613,500
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of Manchester NH's Leading Agents

Nothing you can pay fo rthat you can not do yourself. Pay your bills on time. Lower your credit amounts to less than half of what the credit limits are and review and dispute any credit reports that have errors

May 08, 2018 04:51 AM
Ambassador
3,926,906
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

I am sure there are.

May 07, 2018 09:50 PM
Rainmaker
839,438
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

lots. YOu need to look on line not calling bandit signs.... Ask proof of business license and references. Some will take 50% and you pay balance when you see the agreed results.

May 07, 2018 09:18 PM
Ambassador
2,702,380
Tammy Lankford,
Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668 - Eatonton, GA
Broker GA Lake Sinclair/Eatonton/Milledgeville

I don't recommend them.  I have a number of great loan officers that help people repair their credit.  You can usually do more with paying off stuff than paying someone to tell you to pay off stuff.

May 07, 2018 08:41 PM
Rainmaker
3,549,307
William Feela
WHISPERING PINES REALTY - North Branch, MN
Realtor, Whispering Pines Realty 651-674-5999 No.

I pesonally do not think so

May 07, 2018 08:11 PM
Ambassador
2,017,420
Fred Griffin
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

 No

May 07, 2018 07:38 PM
Rainmaker
455,178
Dan Tabit
Northstone Real Estate Inc. - Sammamish, WA

Yes, but there are bad ones too. I refer my clients to a lender I work with who provides this service for free when they are doing a loan together.  

There are also some basic steps you can do on your own, but it takes some time this way.  

May 07, 2018 03:47 PM
Rainmaker
782,847
Thomas J. Nelson, Realtor, ePRO, CRS, RCS-D
Big Block Realty 858.232.8722 - La Jolla, CA
& Host of Postcards From Success Podcast

Eran Sinai

Director, Credit Restoration Division

Renaissance Law Group

 

 

OFFICE LOCATIONS:

SAN DIEGO, CA

HUNTINGTON BEACH, CA

PHONE 858-345-1877

CELL 619-955-3930

FAX 858-345-1878

 

Credit Restoration, Bankruptcy & Real Estate Transactions

May 07, 2018 03:45 PM
Rainmaker
2,600,106
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker

No experience with credit card repair companies. Would seek the advice of an experienced loan officer first!

May 07, 2018 02:50 PM
Rainmaker
3,954,205
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

No idea.

May 07, 2018 01:25 PM
Ambassador
3,349,442
Bob Crane
Woodland Management Service / Woodland Real Estate, Keller Williams fox cities - Stevens Point, WI
Forestland Experts! 715-204-9671

Probably, but I dont know who they are.

May 07, 2018 10:12 PM
Rainmaker
3,481,654
Joan Cox
Metro Brokers - House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

We had a credit repair company at our Assn talking a couple of weeks ago.

May 09, 2018 03:22 PM
Rainmaker
518,671
John Juarez
The Medford Real Estate Team - Fremont, CA
ePRO, SRES, GRI, PMN

I direct those with questions about loan qualification to an experienced lender. Let the process begin with those who will ultimately decide whether the buyer is “qualified” to make a purchase.

May 08, 2018 10:17 AM
Rainmaker
4,197,490
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

I assume there must be.

May 08, 2018 08:31 AM