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Credit Repair/Experts

Expert	Average Ratings	Expertise
Apex Credit Services U.S. Available View Profile Ask A Question	Knowledgeability N/A Clarity of Response N/A Timeliness N/A Politeness N/A Total Questions 4	FCRA, FDCPA, FACTA, FCBA related questions as they pertain to inaccurate and incomplete tradelines on consumer credit disclosures.
Regan Shinski U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.95 Clarity of Response 10.0 Timeliness 9.97 Politeness 10.0 Total Questions 87	I can help answer basic questions on credit repair, credit counseling, FICO scores, basic credit planning, and the cause and effect of credit related decisions.
Gary Lambert U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 10.0 Clarity of Response 10.0 Timeliness 10.0 Politeness 10.0 Total Questions 14	I can answer questions regarding the use of secondary credit numbers to protect against identity theft, any credit questions regarding scoring, cause and effects and re-establishing credit.
Michael Fay U.S. Available View Profile Ask A Question	Knowledgeability 10.0 Clarity of Response 10.0 Timeliness 10.0 Politeness 10.0 Total Questions 8	There are many experts available here and elsewhere for personal credit - my focus is on BUSINESS credit. This means understanding it and predicting it - as well as helping to correct it. Having worked in contracts & credit, I have also worked with all of the related documents such as Guarantees (personal and corporate), and Security Agreements (aka UCC’s or “liens”)
Yan Ross U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.76 Clarity of Response 9.88 Timeliness 10.0 Politeness 10.0 Total Questions 51	I can answer questions on credit reports and dealing with credit reporting agencies, including disputed items, credit scores, and other consumer-related issues.
Ontrack Financial Group llc U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 10.0 Clarity of Response 10.0 Timeliness 10.0 Politeness 10.0 Total Questions 22	We can Answer any question that relates to credit repair and collection issues.
Chris Ebert U.S. Available View Profile Ask A Question	Knowledgeability 10.0 Clarity of Response 10.0 Timeliness 10.0 Politeness 10.0 Total Questions 2	I can answer questions for Texas and California residents concerning issues that involve creditor and debtor rights. Specifically, I can answer questions concerning: FDCPA, FACTA, FCRA, and Texas / California state collections violations. Further I can guide consumers as how to repair their own credit with out the need for hiring a credit repair company.

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Recent Answers

2009-11-20 credit score:

Hi Daniel, Two years? "Ongoing and consistent" means forever. When you stop using credit, your score will drop. If you pay off a credit card every month, your credit score will NOT be as high as

2009-11-19 credit score:

Hi Daniel, Regarding credit cards, your maximum credit score will be achieved by keeping a balance on your card that equals 25% of the line of credit. In other words, if your card has a credit limit

2009-11-17 paid of my car loan is it a negative thing om my credit:

Hello, SOnia, and thanks for your question. You are correct -- paying off your car loan (assuming it was paid in full accordance with its terms) should be positive, not negative, on your credit report

2009-11-06 settlement of credit card....:

Hi Tonya: I can't answer that because I don't know the terms of your settlement and original contract. In general, we advise or when we settle accounts for people, we put the credit terms in the settlement

2009-11-04 Charge-offs that have been sold:

Mery, The situation you've described is a bit of a moving target. The charge-off by the original creditor is an historic fact, one that is reflected in your credit reports. The payment to the buyer