What is the best credit motoring product online?

Paying for this is not going to help you repair your credit.

Go get a book from a bookstore called Credit Repair.

Cost is about $50.

It will make you an expert at negotiating settlements.

No need for monitoring. This will not help your credit.

Taking care of negative items on your credit report is the way to repair credit.

Reports are free once a year at Annual Credit Report.com

There's really no need to...but if you must, then Equifax credit monitoring is about $14.95 month.

- You can get a free credit report at http://www.annualcreditreport.com/ - This is the real free site to get your credit report once a year without a credit card.

- Paying back defaults on your credit report can be tricky...and if you don't know what you're doing you can stir up trouble.

- Paying back in defaulted credit cards will not help your credit.

- Never contact debt collectors if you can only afford payment plans. You want to settle for less all up front, with all terms in writing before you pay. Don't give them your bank account #'s.

How to pay collection accounts: http://tinyurl.com/4y9fv2y

How to pay/settle credit card defaults: http://tinyurl.com/3q8x6e6

they are all a 100% waste of money. www.annualcreditreport.com to see your report for true free but monitoring is stressful and pointless just pay your debts when due and everything else takes care of itself

Don't waste your money on monitoring services. Follow CatDad's advice.

I strongly advise you to listen to CatDad.

He basically is the answer to your problems and his advise is free.