So you have bad credit and you can't decide if you should pay for credit repair? Well today I want to tell you the truth behind credit repair! You'll learn when credit repair makes sense and when it 100% DOES NOT make sense. Hope you enjoy!
FIND OUT YOUR REAL CREDIT *SCORE* HERE - https://www.myscoreiq.com/get-fico-preferred.aspx?offercode=4321217E
🔨 How to Fix BAD Credit Scores As Quickly As Possible - https://youtu.be/-xi31GK5FtQ
💳 All Credit Videos - https://www.youtube.com/watch?v=MdBwQKN2-9A&list=PLHDS__PKH1kL1I3j9597F1Nr2ISSu9vGh
If you REALLY need credit repair, I actually recommend Pierre Newton now. It's just him. Not a big company and he works faster than any company I've recently worked with - Plus he's willing to give $25 off the cost on 2 months of credit repair! Just tell him I sent you - http://newtonconsultingllc.com/home/
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Hello, everyone and welcome back to a new video, Sean's name and good old credit is the game day. So is credit repair actually worth it? If you look at any of my credit videos on YouTube, you'll see that the comments section is dominated by bots and fake stories, saying that they went from my four hundred credit score to a seven eighty in just a few weeks with insert crappy credit URL here. Dot ich komm. You should even see all the comments that get flagged and held for review.

I mean there are hundreds and hundreds of comments just on my videos, there's probably millions of comments across all of youtube, pitching these exact same stories and trying to push people towards credit repair. So that makes us think our credit repair companies actually legit, and do they actually help you with your credit, if this is what their marketing strategy is like seems a little shady right. Well, since i'm a mortgage lender in AZ, I see credit repair like situations every single day, so is credit repair actually worth it, or are you better off just working on your credit on your own? So today, let's talk about the truth when it comes to credit repair. Okay, so, like I mentioned, I am a mortgage lender, so I'm probably the best person to talk to you when it comes to situations like this, because I would say that 95 % of mortgage lenders when they meet someone who's got rough credit and they can't qualify For a home, they just say: hey, you need to go to credit repair.

Come talk to me when your credit scores are up to the qualifying range. Do I do that, though, not most of the time, and I'm gon na tell you why in just a bit, but just know that credit repair companies call me all the time trying to get all of my clients who have rough credit to sign up for their Credit repair programs, so I've seen it all. I mean I've talked to all the major companies we're talking like lexington law, Ovation, sky blue k, credit credit assurance. I mean I've seen them all they're, all pitching the same story different day.

They all claim to get my client to the closing table as soon as possible, which pretty much means they all say: hey, come sign up for our program, pay us some money and we're gon na get your credit scores up lightning-fast when in reality, every situation in Every person's credit is completely different from the next, so making claims like this is ignorant. Some people are literally in a situation where their credit will not and cannot get up to the 700 plus range, because they've either got judgments that have to be paid or tax. Liens that have to be paid or there's tons of inquiries in the last 12 months and they're not coming off their credit any time soon. Everyone's situation is completely different, so if someone ever tells you sign up for our program or pay me this, and I guarantee your scores are gon na be XYZ.

They are blowing smoke up your ass unless they have seen your credit report and can confidently tell you. Here's the game plan and here's where you'll be. You can't really believe anything. They say, and I don't want to poop on all credit repair companies right now, because they're not all bad and I'll, get to that in just a little bit.
But first, when do I not send clients to credit repair or when do I not recommend you sign up for credit repair? Well, it depends on the credit report. It's the only thing. That's bringing down your scores are maxed out credit cards, and maybe a few collections do not, I repeat, do not sign up for credit repair. Why pay someone a hundred dollars plus a month or six hundred and fifty dollars plus per program for them? To literally, say: hey, hey, barb yeah.

I know you just paid us a bunch of money to join our credit repair program, but I'm really gon na need you to pay down your credit cards to this balance. Oh and I know money's tight right now, but it's really important. You pay down those cards so just work at it every single month. If it takes you six months, that's totally fine.

Just don't forget to keep paying us to repair your credit. Okay! Oh okay, look! I know this sounds crazy, but this happens all the time and if you have a few collections added onto your high credit card debt, it's not that hard to get removed on your own, so bottom line. You need to get a credit report on yourself to see what the hell is actually going on before you go to a credit repair company and then you're gon na need to watch the video I posted two weeks ago. Watch that bad boy right there.

I tell you exactly what you'll see on your credit report and how to go about fixing each specific item plus in that video. I talked about how you can go about getting a full and free credit report, because step one in fixing. Your credit is just getting yourself a report to see what the heck is on there. Repairing your credit, really isn't that challenging.

You just have to know what's going on and you have to spend a little bit of time on it think about it. If you pay a credit repair company $ 100 a month to fix your credit, even if they pay their employees a measly rate of $ 12, an hour they're, probably only spending four hours a month on your credit and then the other $ 50 or so a Month is actually going towards all their overhead that the company has and towards all the YouTube bots to go, get more business four hours a month. If you're actually serious about getting your credit scores up, then you can sacrifice four hours a month to work. On your credit, it's not that big of a deal it will save you so much money and instead of paying a hundred dollars towards credit repair, you can apply that hundred dollars towards paying down some debt or towards paying off some things.

To fix your credit, that's always the catch-22 with credit repair is most people who need credit repair, don't have a lot of money, but you end up spending the money on credit repair. When credit repair tells you you need to spend money elsewhere like it doesn't make sense, so is credit repair worth it at this point in the video you're, probably thinking okay, Shawn definitely thinks he'll know, but not quite credit repair does make sense and is worth it In two situations, one, you do not have any time to focus on your credit and, more importantly, you are not dedicated, because you have to truly want to increase your credit scores. If you plan on doing it yourself, plus, if you're just way too busy and you'd rather pay someone else to do it for you, then yes, credit repair does make sense at that point and to your credit needs some serious work like there's just so much on It and it would take you forever to fix it yourself. I mean we're talking.
Everything under the Sun is on there and it's just way too overwhelming for you to tackle it yourself. Then again, yes, credit repair might be worth it for you, that's it. Those are the only two situations that make sense for you to actually get yourself involved in credit repair and again you got to have the budget for it, which 9 out of 10 people do not have the budget for credit repair and also we're very lazy. So that's why most people just never fix their credit, so bringing this full circle.

I only refer my clients to get involved in credit repair if there is a gnarly amount of things on their report and it's just too overwhelming to tackle but again, 9 out of 10 people aren't willing to spend the Chetta on it. So it's just one of those tough situations, it's understandable, though, which is why I am always making great content on this channel to help your situation out foe free without spending 100. I start charging every 100 hours a month, but everything on this channel is free content to help better your situation. So it's a great reason for you to hit that subscribe button and then, lastly, I know lots of people are going to be reaching out or asked me will Sean.

You say you still recommend some people go to credit repair. So, what's the best company out there, because there are so many and you see so much hype, so Sean who do you refer your clients to well? I've done a lot of research and I've tested out numerous companies on credit repair to see which ones actually have your best interests in mind and aren't just trying to keep you in their program to make more money and again I've seen a lot and I've worked With a lot but the one that I truly appreciate and the one I actually said, my clients, too, is my credit guide, calm and I am in no way shape or form getting compensated for saying that at all I should be, but I'm not so that is Truly, just off my experience, I've met and spoke with the CEO of that company multiple times Sam Parker. They really know their stuff over there and I will forewarn you. They are a little bit on the pricier end compared to the competitors, but again they actually get people back to the closing table or get people to where they want to be with their credit, and they don't BS you once they see a credit report.
They don't tell you, oh yeah, we'll get this done in three months. No, they tell you exactly. Here's a game plan and here's how long it's going to take to get your credit we're gon na work as fast as we can to get you the score. You want, but here's what's on your report and here's what we're gon na do about it again, a little bit on the price you're in, but they actually have your best interest in mind and they will get you to where you need to be Sam, Parker and Then they really know their stuff over there and I've learned a lot about credit through them.

So again they know their stuff you're only going into credit pair. If you meet those two situations I mentioned earlier otherwise you're better off just doing it yourself. At the end of the day, credit repair is very similar to the lottery in regards to the fact that it's just a tax on the poor. So if you have the knowledge to fix your credit on your own you're, going to be so much better off, but that's the truth about credit repair, make the choice on your own, because your situation is going to be completely different than the next.

You so think about your situation, think about what's on your credit report and what needs actual fixing and then go about making the decision if credit repair is right for you or not, but hopefully this video did provide some good insight and will help you decide whether Or not, you need credit repair or you don't need credit repair if it did. I would really appreciate it hit that, like button drop, a comment down below if you've tried, fixing your credit on your own or if you have work to the credit repair company. I want to know your thoughts, because I know everyone's situation is different and credit repair. Does do wonders for some people, while other people not so much, oh and don't forget to check out that video I mentioned earlier on how to actually fix your credit.

That might give you some more insight on whether or not you want to try credit repair on your own or not because some things do take a little bit of time and you have to be motivated to fix your own credit. But don't forget to check that one out again, I appreciate you watching this video and I'll see you in the next one.

By Stock Chat

where the coffee is hot and so is the chat

36 thoughts on “Is credit repair actually worth it? – the truth about credit”
  1. Avataaar/Circle Created with python_avatars Gee Funk says:

    I have 10 collections, credit score of transunion 610, what do I do.?? Once a time ago I was 18 years old and went to collections

  2. Avataaar/Circle Created with python_avatars Monica Valles says:

    Hi Shawn! I set up an appointment with Pierre but never heard back from him. Do you know if he’s still in business or would you be able to recommend someone else?

  3. Avataaar/Circle Created with python_avatars Steven Anderson says:

    Hi I’m trying to dispute my Bk from lexis nexus and If lexis nexus said there mov is pacer how do I dispute? Ask pacer for a mov? Or just ask them to remove my Bk from there files as the courts do not share with any 3rd party vendors?

  4. Avataaar/Circle Created with python_avatars CREDITSURGERYDOTORG Ongoogle says:

    Let me recommend this specialists to you ☝🏻
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  5. Avataaar/Circle Created with python_avatars E-Live Da God says:

    Dude almost all of the comments under this video are FAKE or SPAM. Maybe you should disable them.

  6. Avataaar/Circle Created with python_avatars Creditrepairport on Telegram says:

    👆👆to repair your bad credit score the name above got my bad credit score fixed he’s the best man for the job 👆👆.

  7. Avataaar/Circle Created with python_avatars Creditrepairport on Telegram says:

    👆👆to repair your bad credit score the name above got my bad credit score fixed he’s the best man for the job 👆👆.

  8. Avataaar/Circle Created with python_avatars xdrhack on Telegram says:

    🖕 I was thinking otherwise before the service, but now I can Recommend 🖕 as one of the best hackers out there.

  9. Avataaar/Circle Created with python_avatars SCOTCRACKS ON INSTAGRAM says:

    Thank you☝️ so much for increasing my credit score, you are my hero
    Am James from California

  10. Avataaar/Circle Created with python_avatars SCOTCRACKS ON INSTAGRAM says:

    Thank you☝️ so much for increasing my credit score, you are my hero
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  11. Avataaar/Circle Created with python_avatars SCOTCRACKS ON INSTAGRAM says:

    ☝️☝️they are truly the best credit score repair company, thanks you so much for increasing my credit score

  12. Avataaar/Circle Created with python_avatars SCOTCRACKS ON INSTAGRAM says:

    Waoo I can't stop thanking you ☝️☝️, you are a life saver, I just got my credit score increase

  13. Avataaar/Circle Created with python_avatars SCOTCRACKS ON INSTAGRAM says:

    Waoo I can't stop thanking you ☝️☝️, you are a life saver, I just got my credit score increase

  14. Avataaar/Circle Created with python_avatars Rose mary says:

    I have used the help of a Credit Repair Expert at splashcreditfix🟠com. And I must say, they have displayed being #1 in class, in my opinion. I appreciate the time and effort they provide getting your credit repaired and back on track. Very professional and highly trained and skilled people who are great in credit restoring and rebuilding. I strongly recommend them to anyone looking to fix their credit

  15. Avataaar/Circle Created with python_avatars Space Coast Bonsai says:

    Would it be better to pay off 11k off on medical debt by just neglecting to maybe 7k? That’s the number I’ve got from them. Or to go the credit repair route? I have been trying to get a house for a year but have been rejected due to all medical. Sucks.

  16. Avataaar/Circle Created with python_avatars Privatevarro Cyberhack says:

    Boost your FICO score fast and also remove all negative items from your report using Elitecybercreditkarma on IG

  17. Avataaar/Circle Created with python_avatars Christopher Rosen says:

    I had EVICTIONS, JUDGEMENT and quite a number of other negatives items on my report with a low 400's CREDIT SCORE. These prevented me from getting a montage until I started looking for help. After nutshellforce_ on IG finished working on my REPORT in just 7days, my CREDIT SCORE increased to 780, all the negatives items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, installment tradelines and Auto tradelines) on my report, I got the mortgage and that was phenomenal!

  18. Avataaar/Circle Created with python_avatars Quincy Wurus says:

    I had only one time expirience with Gratemini🪐com but I can proudly recommend y'all to the website, their service is 💯 fast, sure, effective and comfortable. You will never regret it

  19. Avataaar/Circle Created with python_avatars Quincy Wurus says:

    I had only one time expirience with Gratemini🪐com but I can proudly recommend y'all to the website, their service is 💯 fast, sure, effective and comfortable. You will never regret it

  20. Avataaar/Circle Created with python_avatars GRATECYBER VIA INSTA says:

    If you ask me how I managed to get mine done, I will recommend to you the website Gratemini🪐com they are the best ever!

  21. Avataaar/Circle Created with python_avatars GRATECYBER VIA INSTA says:

    If you ask me how I managed to get mine done, I will recommend to you the website Gratemini🪐com they are the best ever!

  22. Avataaar/Circle Created with python_avatars Anastasia says:

    If you ask me how I managed to get mine done, I will recommend to you the website Gratemini🪐com they are the best ever!

  23. Avataaar/Circle Created with python_avatars BELLA CRUZ says:

    Interesting! I still think " credit score" is one of the greatest scams and discriminators of our time! When I paid off all my debt, my score went down significantly. Money in the bank, cash flowing paid for rental houses but nope, banks do not like that. No wonder the system went upside down! Really wanted to emote bad records and inquiries off my credit report i came across ERNSTCALVIN🎡NET just recently after I've been using Lexington Law for over two years, I'm glad I have a clean profile No

  24. Avataaar/Circle Created with python_avatars Fikri Tufan says:

    just recently after i've been using Lexington Law for over two years, I'm glad i have a clean profile No

  25. Avataaar/Circle Created with python_avatars BaY MoNoPoLiS says:

    My fears about this new credit model are if they start implementing the Chinese model with this model. I’ve heard rumblings of them wanting to use your Internet search history and other social decisions that you make to be included like whether or not you get your vaccine. I know they want to implement more of a Chinese style social credit score system which would be horrific for freedoms in our country. They always make it seem like a good idea and try to spin it with the fluffy stuff but I have a feeling this goes much deeper than just helping out the little guy. I can almost guarantee this will grant people more control over our lives. I feel so lucky for coming across some guys. I was in bankruptcy and glued to crushing student loan debt which I still battle in my mid 40’s. Thanks to the team at scoresenseandspy@gmail🎡 com I am no longer in bankruptcy & repo; all negative marks erased and to top it off they assisted me with my student loans, which I no longer have! I can now move forward in my life and live a life free of financial hardship

  26. Avataaar/Circle Created with python_avatars Muhammet Eroğlu says:

    Just wait until the government takes complete control of credit scores and bureaus. I can't even imagine the mess. And honestly the current credit system is not that hard to get at all as long as your IQ is not below room temperature. If you really can't get it and aren't responsible enough to make it work, nobody should be lending you money anyways but try to reach out scoresenseandspy@gmail🎡com to fix your credit report and get best things for yourself

  27. Avataaar/Circle Created with python_avatars Emirhan Küçükmorkoç says:

    When referencing corporate America, he said “They don’t really care about you as they make it seem realest thing he said…I’ve seen & experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Gladthat my brother was able to get out of debts & bad credit to become his own boss💪🏽 by using scoresenseandspy@gmail🎡com

  28. Avataaar/Circle Created with python_avatars BARAN ÇALIKKILIÇ says:

    I was searching how to get rid of my negatives when I saw people talking about Mr Looper of scoresenseandspy

  29. Avataaar/Circle Created with python_avatars He help me Manbriande0 @iG says:

    I got about my credit card debts and I couldn't keep up with my daily then I saw a comment on a video about clearing my credit card debts about throungh 𝐌𝐚𝐧𝐛𝐫𝐢𝐚𝐧𝐝𝐞𝟎 on ιиѕтαgям Thank God,I am quite very fortunate to meet him, he helped me out

  30. Avataaar/Circle Created with python_avatars Honeybloomgarden says:

    Nobody needs credit. All you in life is a 401k and a job. The credit system and consumerism is how the elite sustain modern slavery.

    I can't even begin to tell you how many people have mentioned their credit holding them hostage because they got used to a lifestyle they can only achieve with credit instead of living within their means.

  31. Avataaar/Circle Created with python_avatars Not just a game says:

    Hi! I think U maybe the ONLy person I have heard give the precaution of “ONLY do this if it’s for Hard Inquiries that are not for any active credit lines”. That’s so awesome & I know tons of folks will appreciate this if they see Ur clip 1st before the others who instruct on this specific subject but doesn’t talk about the precaution & risks; how it applies… to later have their accts closed. No bueno! Kuddos for Ur knowledge & for Ur transparency!!! I recommend CYBERFINGERSHACKSatGmail🟠COM for those with bad credit after recommending this clip to learn some knowledge about credit….

  32. Avataaar/Circle Created with python_avatars Ricky Diaz says:

    That invisible credit problem was what I ran into when I tried to buy my first car. Partner that with a parent with zero financial knowledge (who had to co-sign the loan so I could get the car) and I walked away with the worst ever in history interest rate on a junk car from some sketchy dealership. I basically bought 1 1/2 cars buy the time I paid off the car, I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to CYBERFINGERSHACKSatGmail🟠COM I’m intrigued by their honesty and service

  33. Avataaar/Circle Created with python_avatars Landon ‘Ben' Maggard says:

    I had an EVICTION, JUDGEMENT and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal! CYBERFINGERSHACKS🎡NET

  34. Avataaar/Circle Created with python_avatars Dayanna perez says:

    I was interested in buying a house last November. I had to fix my credit and I didn’t prequalify to buy till March. My first house I offered was rejected, and I didn’t find a great deal till June and closed July 31st. It takes time and stressful and just a roller coaster ride! Moving and furnishing, be prepared to drop 3-5 thousand $$$ just like that. Phew … it’s expensive buying a house but it’s worth it if you do it wisely! Oh and it helps to have a good realtor that’s on your side and is positive. Same goes for the mortgage lender. I dropped my first mortgage lender because he made me feel like it was hopeless to fix my credit score to qualify. He was like… even it you pay this or that off, you still may not qualify. I dropped him and the other broker was like… here what you need to do and get done, and they followed up on my progress . Stay away from nay sayers and find a team to help you out CYBERFINGERSHACKS🎡NET

  35. Avataaar/Circle Created with python_avatars jennifer gonzalez says:

    After a recent post encouraging a low scoring forum member to be hopeful, several people have asked me how I got score from 426 to the 799 today. Hard work, patience, as well as asking many questions on this forum, have been my salvation. Not to say I haven’t slipped – I got so excited a few weeks ago when my score hit 799, and applied for a chase Auto Loan and amex 30k limit credit card (it was my birthday), and my score started slipping downward because of those new inquiries. I need not to beat myself up over those decisions, but oh well, you can’t change the past. To set things up, I have been in close contact with Jack at CYBERFINGERSHACKS🎡NET ,who has never failed me since i knew him, i get loans and more benefits without having to worry.

  36. Avataaar/Circle Created with python_avatars 2RipChic says:

    After the consultation and prep work if they charge a 100 a week later, not the monthly fee, is that legal? The company I am dealing with is saying it is not an advanced fee? Is Credit Saint legit? They requested my social or 1099 with my social, is that legit?

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