I was turned down for a house today. It hurt...I cried.It was my dream.Today is the first time I thought "Damn I need to get this credit right ASAP"
So I went to this credit repair place and he said he could ERASE within 6months to a year all the negative things on my report.He said it would cost anywhere between $250-$1000 to erase $3630.00 in bad debts.Is this a scam?I need to do something about this quick because I got my eye on a house...one of them homes that say "..... Estates" So thats one option,but I need to know if its a good idea?They say money back gaurantee and he said hes with BBB. ???
Another option is to pay off collections and everybody,and have my credit score up.Seems more honest and legal to me...but would take longer.But I was told today it dont make sense to do that since they already wrote it off. I know you ladies are smart....so PLEASE what am I supposed to do??? Thank you....![]()



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I was def. turned down due to collections. Also the statement came in the mail today about why I was turned down. Negative info on my credit report...and also bad check writing...which is i think when I was young and had a debit card and went overboard.But THATs not listed on my credit report? They did however give me the source for the bad check info.
So just because I go for advice I am ruined for life? Or maybe Im not??

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