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clean up my credit file and get out of debt should i use a credit repair agency?


jaystar85
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im writing here as a last resort i have since i was 18 been in debt and have recently been trying to sort it out i just need some guidance as to what i need to do

ive got my credit report and paid off a few of the defaults

i was looking at using a credit repair comp any they say they can write off most of my outstanding debts and remove defaults but they want 195 pound per agreement should i sign up and do this as i really want it sorted....

i have 6 defaults on my credit file 3 have been paid 3 havent i then have 2 other debt collection agencies after money that dont show up on my file

 

currently i have defaults for

02 450 pound (not paid) have had no contact with them for 2 years

 

avon 137 pound (not paid) have had no contact with them for 2 years

 

lowell portfolio 457 pound (not paid this was origionally a littlewoods debt) have had no contact with them for 2 years

 

llyods tsb more than credit card paid f+f settlement of 200 pound on an outstanding balance of 2000 pound shows as satisfied default

 

debt mangers 223 pound this was a next directry debt paid in full shows satisfied default

 

next directory default 244 pound this has been paid in full shows as satisfied default

 

i now owe 650 pound to llyods for an old overdraft this has now been sold to a debt collection agency

 

i also owe 250 pound to moorecroft debt collection agency for my old anglian water debt

 

are any of these likely to get wiped off my file if i pay this company or should i just leave it as is and pay them off bit by bit and be done with it

 

i would apprecite any advice on this

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Hi, jaystar.

 

There's nothing they can do, that you can't do for yourself.

I doubt there's much you can do about removing the defaults.

 

Best thing to do is start a new thread for each of your debts in the Debt Collectors Industry Forums. Keep them updated and with help from people on CAG you will be able sort the debts out, and save yourself a lot of cash.

 

If you need any help with that, give me a shout.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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