Raise my fico score

[Kinan Humphrey]

I am just starting out in investing here in atlanta. I want to take advantage of the real estates market out here, but my credit score is hurting me. (High 500's)
I Need to find a legitmate credit repair company that can remove negative items / inquiries, to help me qualify for a loan.

If anyone knows of a such company, contact me. And can we make it affordable, one that does not want my arm, leg and unborn child.

:D

[Account Closed]

Of course no one asked you the most important question in my opinion...

Are these negative items legitimate? I am not being a jerk, I know there are legitimate reasons many people get themselves into trouble with credit. But, if these items are legitimate they are going to be much harder to remove.

One thing these credit repair companies don't share is they can often get a legitimate item removed because the creditor does not respond with proof within the allowed time. However, there is absolutely nothing preventing that legitimate item from returning at some point in the future if the creditor does decide to get off their butt and resubmit with proof. Historically, most who fail to respond in the allowed time never go through the steps to get them resubmitted.

But, times they are a changin' and that practice may go the way of the dinosaur.

You got some really good advice here and there is absolutely NOTHING a credit repair company can do that you can't. Submit the disputes, do it in writing and HAND WRITE the letters. Dispute one item per letter and DO NOT mail all of them all at once. If you spread them out they are more likely to assume you have actually researched each of these on your own.

There is a good chance if you are persistent you can get most if not all negatives removed.

However, the bureaus are offering a fairly new product allowing creditors to see what your FICO "was" at intervals depending on what level of service they buy from the bureau. Responsible borrowers don't have large or cyclical swings in their scores. More and more creditors are starting to look back to see if there has been a large upward movement in the FICO and asking the buyer to explain why it happened.