Maximillion Richman - Credit Repair - Credit/Debt Management - Shopping

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Expert Profile: Maximillion Richman

Expertise: I can answer all questions related to credit repair, identity theft, Fico scores, medical debt, collection agencies, and issues related to Experian, Transunion, and Equifax.

Experience in the area
I have repaired and restored over 200 credit files in the last several years. I am in the process of writing an e-book detailing how consumers can repair their own credit and avoid bankruptcy.

Education/Credentials
I am currently working towards an entrepreneur certificate at Wayne County Community College.

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Average Ratings
Prestige Points: 30
Knowledge	10.0 Best of the best
Clarity of Response	10.0 Best of the best
Timeliness	10.0 Best of the best
Politeness	10.0 Best of the best
Number Of Questions (in Past 24 Hours)		0
Max Questions to be Asked (in 24 Hour period)		5
Total Questions (since joining AllExperts)		12

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	12/23/08

User Comments

Thanks!
(Chris on 12/23/08)

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Recent Answers from Maximillion Richman

2009-01-02 Credit Cards: Kyle it’s ok to close accounts, but I wouldn’t close the oldest one. Your Fico score will drop. Fico will also lower your score if you have more than 5 accounts. I would close the newest cards with 0 balances...

2009-01-02 Counseling and Rebuilding Services In One: Yvette I would avoid dealing with the collection agency all together. I would try to pay the bill to the original creditor. You can call and negotiate with these creditors to get a reduced payment and...

2008-12-21 Effect of paying more than minimum on FICO score: Chris it’s better to pay them off in full every month if you can. However if it’s not in the budget pay them double or triple the minimum payment throughout the month. I set up my online bill pay to pay...

2008-12-21 credit repair/loan qualifications: Brandon the fact that you paid them already verifies or admits they belong to you. Unfortunately they wont refund any of your money. The best course of action is to write a dispute letter saying they don't...

2008-12-20 credit repair/loan qualifications: Brandon before you apply for an auto loan send dispute letters in to the bureaus reporting those medical bills. Even though you paid them lenders don't want to see that on your file. Lenders have become...