Can a credit repair company order my credit reports for me?

Or do I have to order them and send them to the company . . .
Can a credit repair company order my credit reports for me?

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Comment by CatDad

annualcreditreport.com is the real free site to check your credit file for free once a year without a credit card.
https://www.annualcreditreport.com/ – NOT freecreditreport.com
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Avoid the temptation to pay a “credit repair” firm, as they cannot remove accurate negative info. If you’ve had recent defaults, charge-offs, late pays, then you need to understand these items have to age of your credit report naturally. After 7 years from the date of default you’ll get a clean slate. “Credit repair” firms have no special power to magically delete negative items….all they do is dispute all negative items on your credit report and hope that the credit bureaus cannot validate the debt within the 30 day allowable time frame, in which case they must remove the items. You don’t have to pay anyone to do this as you can do it yourself for free.

Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) within 30 days or remove them from your credit file. Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver’s license and social security card…If you don’t include these, they may write back requesting them, which would slow the process down by several weeks. For each negative item, write a separate letter and simply include the phrase:

Per the Fair Credit Reporting Act, I am requesting written validation of this item.

Do this one at a time for each negative entry….DO NOT request validation for all items at one time.

There is NO guarantee that this will work….It may give some decent results. The worst that can happen is that all negative items come back verified.
Comment by bdancer222

You can get your own credit reports at AnnualCreditReport.com

But don’t waste money on credit repair. Most credit repair companies are pure scam. There is nothing they can do to remove legitimate negative items from your credit report. They typically use the ole “dispute everything and hope it falls thru the cracks” method. Even if something does fall thru the cracks, it is likely to reappear when the creditor next updates.
Comment by My Take on It

Why on earth are you using a credit repair company?

They are not going to do anything magical that you couldn’t do yourself. All they will do is charge you a fee for the privilege of telling you to stop paying your bills to try and force a settlement out of your creditors.

Work with http://www.nfcc.org if you want to pay back your creditors and not have to pay a fee for it!
Comment by Brandon

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – credit-report-score.10001mb.com
Comment by Seoconsultant

yes. Good and licensed credit repair companies are authorized to get your credit reports. but if you deal with some fake company they will ask you to get your credit reports yourself. i will recommend you to contact http://www.creditrepairinfo.com to get your credit repaired.