Repair Credit Report Help

Credit monitoring service...repairing credit, is this service necessary?

I am in the process of repairing my credit. I already have the most up-to-date credit reports from the 3 major bureaus which I got for free from http://www.annualcreditreport.com While repairing my credit, having debts deleted or paid off, etc...I want to be able to see the changes happening. I can only order my credit reports for free once per year...so cannot check to make sure that collectors are erasing the debts as being requested in negotiations. I was wondering if anyone uses a "realtime" credit monitoring service (preferably that is updated daily, or everytime a change is made to the report), so that I can validate my requests are happening. I'm not so much concerned about the scoring...but if it's included, then I suppose that's a bonus. Any suggestions? Is there a way to request my FREE credit report more than once per year (e.g. tell the CRA's that I am repairing credit, and need a fresh copy, etc) without having to pay each time? Micki...you did not read my question at all. I am talking about online monitoring services, not a debt consolidator or debt management service. I am doing the work myself. Sgt Big Red, thanks for the response. Are you referring to "they" as the CRA's (Equifax, Experian, TU)? "They" make changes all the time to reports, without sending you an updated report, thus why you have to request it. Otherwise, every time someone inquires into my credit file, or reports me (adversely or positively), I would get a new credit report in the mail. I'm not so sure who you're referring to... If you mean the collection agency will send me an updated report, I wouldn't count on that either...they just want their money to settle the debt, not send me an updated report.

Public Comments

1. Don't waste your money. These agencies only do the same thing that YOU can do but THEY take your money as well. They just send letters after letters to the reporting agencies telling them that the accounts are wrong and sometimes, you may hit it lucky and someone will remove an item from your credit report. If something is truly an error on your report, only YOU will know that for sure and you can send letters to these agencies just as easy and a lot cheaper. As far as an extra free copy of your report, anytime you apply for credit and are turned down, you are entitled to a free copy. Maybe you can try that route (but don't apply too many times).
2. Credit monitoring is good, it will alert you to any changes made on your credit report and could save you from Identity theft. However, if you just want to see if your disputes with the credit reporting agencies have made any changes, they will (by law) send you an updated credit report showing the changes/disputes made. They do not include your score however. Hope this answers your question.
3. Yes it is I work for Pre paid legal services and Kroll America the leading risk Management company in the world so I can help you with a better price and more to offer than companys that scamming people
4. Although there is no way to request it more then once a year, if you are in the process of repairing your credit you should keep an eye on the reports about once every three months. It gives times for creditors to report the change in payment behaviour etc. For more information check out this site http://www.debtaidandcreditrepair.com/ It explains everything in great detail.