Credit repair through real estate agent?

The realtor(or realtist according to his business card) we are working with in buying a house offered us a plan to improve our credit so that we can get the best rates possible. My husband is all for it but I am a little hesitant since we dishing out $750 for a start up fee and $250 monthly for his assistant to call, write personal credit letters, one on one coaching, among other things to get us both at a 650. I am concerned since this is alot of money and I looked on the BBB website and cannot find this credit management group or even her real estate agency in its reports. How do I tell this is a legit operation and not just someone trying to scam a young couple out of a few thousand dollars.

how do I go about writing a letter to repair damage I ve done to someone else’s credit?

I was paying on my son’s car loan since he didnt want the car anymore. It was late several times and I paid the late charges. Now, I want to have the negative marks taken off his credit due to my bad situations. How do I go about this?

credit repair questions?

hey all,
We are trying to repair our credit for many years now. from our experience we have been sent letters back from credit companies telling us that our credit on there is valid and that they will not be changing it. My understanding is that they have to provide proof of this and yet that havnt. What is the best way of action to get these 3 companies to start removing items and what is the best site out there that provides me with all three credit reports all in one for free? Also please provide me with a couple of sites that explain in detail in help regarding steps to do and sample letters that are current that i may use to get my point across.
thank you kindly
please provide actual answers or i will delete the question and then no one gets any points even for just posting. Why is it that i get dumb dumb answers that are evident. The point of questions on Yahoo answers is to get info based on your question not just to post idiotic posts.
thank you
as well annualcredit costs money with alot of there services. And please dont provide the common answers that they can only keep info on there for 7 years we know this everyone knows this. The problem is obvious “removing this stuff” if you dont have experience in this please dont answer as you will not get points anyway. Sorry to all those that do care about answering but you have to understand my frustration with alot of kids answering on here or people that just are answering on common things they have heard.
thanks again

How long does it take to repair your credit?

I have begun repairing my credit. I’ve contacted collection agencies to make settlement agreements and everything but I haven’t heard from them and it has been 2 or 3 weeks since i sent out the first letter. I need to raise my score that depleted during my divorce. Is there anything I can do to speed up the process?

What’s the best and fastest way to increase credit fico scores?

wondering if old charge offs ‘fall-off’ your credit report after 7 years? 10 years? Do any of those credit repair services work? Heard about writing letters to creditors and if they do not respond in 30 days, the item must be erased from report–true?

Is this a good answer to the Mormon question that was probably removed by Mormons?

No, intelligence has nothing to do with one’s subjectivity to being brainwashed. If you understood Mormons’ situations better you would see why they go along with the belief system even to the point of self hypnosis to try to convince selves to hang in there and try to make the best of it.
Mormons are conditioned into Mormonism as of birth. They are kept in a fairly controlled environment where they know no other way to survive. As they get old enough to pass certain tests in life, they are posed with certain counteracting subtle threats by their church.
Teens are not able to leave home. They know they will lose family acceptance and friends if they leave Mormonism. Young adults capable of moving and making new friends know they will lose support from parents to go to college and would be presented with a new and frightening world to adapt to (all alone) that they know nothing about. Young parents need as much help as they can get for child support, money and stability and do not stray so as to keep from being thrown into chaos while they have kids. Older parents have accumulated a lot of debt and have professional connections and networking entrenched with other Mormons to the extent that leaving their church would be like trying to transplant a vital organ. Due to debt and such problems, they risk losing inheritances from the next older generation if they leave before their parents die. But by the time they themselves are at their oldest, they are so conditioned to the LDS church that they cannot leave the comfort zone of this zombie life even if they wanted to-it is like addiction at that point of long term conditioning.

So you see, the cycle repeats itself and in each phase of development of an individual’s capability of freely leaving, the LDS structure has a carefully plotted counteraction ready to head off the would-be apostate.

cash back deal on mobiles?

I took a cash back contract out on my mobile and interestingly the retailer went into administration now i am stuck with a contract that i cant afford the only reason i took it out was because it was a cash back deal i have started receiving letters form the debt collection agency and i have rang the mobile network providers and they keep saying i have signed a contact so therefor i have to pay i have explained the situation to them but they keep saying i have to pay and i think it is extremely unfair. They should be chasing the retailer rather than the innocent people who fall into this cash back con what can i do i am really stressed out over this please please help.
Many thanks

financial aid question?

I’m really in some hot water here, or so I think. I filled out my Fafsa saying I’d be attending school full time. Unfortunately I had one online class that I was dropped from because I never recieved the network key or start date in the mail… I made the mistake of assuming the class started later. I was dropped from the class, making me a part-time student and as far as I understand I was not able to use my fafsa money to pay tuition. My parents literally have no money to spare so I have been trying to pay off my Fall 06 semester with tiny checks and a minimum wage job. I need this debt payed off, and soon. I was wondering if it would be best to re-apply for the fafsa as a part time student, or if I should just modify my existing Fafsa. (can you do that?) ANY and all help is welcome. I’ve got only a slight clue at what I’m doing, my parents are intimidated by this stuff and choose not to try and help, and my school is not too keen on answering my e-mails

Super Bowl Commercial?

When i was watching the super bowl, there was an ad that ran about america’s debt. It seemed very poorly created and didn’t seem like a $2.5 million dollar commercial at all. It ran in the 3rd quarter and actually ran twice….it ran, then a different ran (dont remember it because we were still trying to dissect the original weird one), and then it ran again followed by a local affiliate weatherguy id. I was under the impression that local affiliates couldn’t stick commercials into the network‘s programming. can someone help me out?

Maryland law issue need help?

Long question but want to give as much info as I can-so back in Jan. cut my finger. Had to go to ortho surgeon out of network on my ins. Signed waiver that I’d give them any checks I got form insurance. Gave 2 totaling $2500. In May they sent me a nasty statement billing for the remainder so I called and told them the truth–I hadn’t gotten another check. They told me on the phone they were sorry, I shouldn’t have been billed and they’d write off the remaineder.

2 days later a check for 5 grand showed up. I held it in my bank for 3 weeks, presumably waiting for any further bill from the surgeon’s office. Since I didn’t get one I put the money toward bills.

Yesterday I received notice that I missed 2 certified letters from District Court. They’re suing me for breach of contract.

I can pay the debt, about 100 bucks a month. Beyond calling the surgeon’s office to work it out do I have any other recourse?
Just to be 100% accurate, I only used that money under the belief that a verbal agreement was in place to write off the remainder of the balance. I thought themoney was reimbursement from insurance of what I would’ve paid out of pocket, like AFLAC.
I am going to call and try to rectify this situation. I feel terrible about it but it’s a mistake and we are all HUMAN with FEELINGS so I appreciate you people NOT putting me on trial. I didn’t say I should get away with it. I can handle going to court.

How do I tell my husband how we are really in debt? I let it get beyond our means.?

I am the mother of a now 8 year old beautiful little girl. When my daughter was 16 months old she became very sick. Doctors thought it was the flu, however a few days later we ended up @ the hospital because she was unresponsive. She was in a diabetic coma. Well needless to say this kept me a stay at home mom taking great care of my daughter. My husband is the love of my life. He is a fire fighter full time and on his days off he works for a lanndscaping company. For the last 16 years he also pays 200.oo dollars a week for child support. His daughter turns 18 next yeear and has aready pursued her career as a cosmotolgist with a trade school. hwave done day care out of my house to help pay for my daughter’s education and to help out with the bills, in the last 6 yrs. we have accumulated 25,000.00 in credit card debt. I never have used it for extravagances, just to use in home emergancies..and the oil and cost of living expenses.. My husbannd does not know how bad it is, because I am afraid of being blamed for everything.. I am the only one out of my family who managesmy daughter’s diabete’s, so I am at a loss for ….I don’t know… I don’t want to declare bankruptacy, that is not an option… we have never been late on our mortgage payment. we love our home. I am making myself so sick over this that it has effected my health, I vomit all the time due to stress.. I don’t want my daughter to wittness this..What can I do? I was involved w/ a debt settlement program, which made it worse…..

what other than the debt ceiling is holding up the budget?

the congress has already agreed to raise the debt ceiling if they can lower spending to help to be able to not have this again next year? why is the media and even the people on here so fixated on the debt ceiling that they do not look beyond that to see what the real issues are?
david it is because they spent money we do not have and cannot come up with. get the picture here momma and daddy do not have the money for new toys for you.

Considering the ALMIGHTY $ is becoming………?

extinct, (.60) on the dollar right now. Does it make since (cents)
for the President Of the United States to say that, for this tax year that taxpayers will recieve an extra amount of return($800.00 or so), so they can spend it at the stores to help with the oncoming/already recession that he contributed to?

If your debt has skyrockted beyond your control, and you get some x-tra money to buy items you don’t need, and your money value is declining, how is this suppose to help you (the economy) out of debt?
Is this still some more double talking/contradictory statement making/talking out the side of his neck/speaking with a forked tongued dialogue. Is this suppose to be for those people that will say, “Oh he left office on a good note by giving us extra money for our tax period.” WHERE did this extra money come from, when we are in a $150 billion debt?
pow*******

If you’re making payments on a debt, can the debt still affect your credit negatively?

For reasons beyond my control, I’ve got a medical debt of $20,000, and as a student, no way of paying the lump sum (and no help from family is available since we are all below the poverty line in terms of income). If I start to make monthly payments on this debt, will it still negatively affect my credit?

When you have a business proposal but no money what to do?

I need a loan but have poor credit, I need funding but don’t know where to go, I live on my own and I want to save money fast to move to Georgia from New Jersey and the only way to do that is to stop paying on existing bills and then that will put me in further debt so my hands are beyond tied. No one wants to help me out on my business adventure and I really want to get this started as of Jan. 2009 any ideas.