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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 3	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 86	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.
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 6	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”)
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 12	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.
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 21	We can Answer any question that relates to credit repair and collection issues.
Yan Ross U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.75 Clarity of Response 9.88 Timeliness 10.0 Politeness 10.0 Total Questions 49	I can answer questions on credit reports and dealing with credit reporting agencies, including disputed items, credit scores, and other consumer-related issues.
Chris Ebert U.S. On Vacation returns 11/10/2009 View Profile	Knowledgeability 10.0 Clarity of Response 10.0 Timeliness 10.0 Politeness 10.0 Total Questions 1	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

2009-11-06 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

2009-10-24 judgments:

If an open judgement is removed from your credit reports, your score should go up. Unfortunately, it is impossible for me to say how much. The FICO scoring methods are proprietary information and a closely

2009-10-22 should i get another credit card:

Hello Lee: I have never had a problem with the major sites but that does not mean others have not. You can purchase your score by calling each of the credit bureaus or writing to them if you don't

2009-10-22 should i get another credit card:

Lee: It is nearly impossible for me to predict with 100% certainty what you need to do to be able to purchase a vehicle or improve your score. There are just so many factors that go into a score and