On Wed, Mar 28, 2007 at 10:51:26AM -0700, Michael J McCafferty wrote: > John, > Indeed this may be true. However, they do stuff that I > *won't* do myself... and they might *know* a trick or two that I do > not. As it would happen that through many years of paying my bills on > time, thanks to automatic bill payments, I have no need to repair my > credit. However, if I did, I'd be inclined to hire someone who knew > what they are doing or had done it before. The reason is the same as > why I hire a gardener.... it might be something I *can* do myself, > but I don't *want* to do it myself. The "professional" will do it > faster, better (hopefully), and I can concentrate on things that I > want to focus on.... or on things that make me the money to pay their > bill...
If you go into something like that knowing what they're going to do, and happy with what they're going to charge you for it, great. But some of those places charge thousands of dollars and try to convince people that they have some special, magical ability to erase all negative items off of your credit, and it simply isn't true. If someone has bad credit, there is no firm in the world that can "fix" that. When I first started paying attention to my credit, there were a number of issues... items that belonged to my Dad (not negative, but misleading... how could I have had a credit card in 1969, two years before I was born? :-) ), addresses that had nothing to do with me, etc. It took a few minutes of my time to write a letter to them reporting the inaccuracies. A few weeks later, they send me a corrected report. I looked it over, and had to ask for a couple of changes again. I wouldn't have paid much, if anything, for someone to do that for me. BTW, did you get my email about Cogent bandwidth? I'm not sure I sent to the right address :-) -- *********************************************************************** * John Oliver http://www.john-oliver.net/ * * * *********************************************************************** -- [email protected] http://www.kernel-panic.org/cgi-bin/mailman/listinfo/kplug-list
