Credit Repair
credit score boost?
what's the best way to remove items from a credit report besides the conventional methods of using credit repair companies? there's a bunch of crap on my report that's keeping me down. i'm open for anything, but it has to work. i've tried writing letters, but that doesn't work. has anyone used anything out there to help your credit score when it really sucked? thanks
Public Comments
- Well, this depends. Is your poor credit score the result of your own true actions (i.e. have you paid late, defaulted, or taken on too much credit)? If this is the case then, unfortunately, there isn't really much you can do to improve your score. If this is not the case and your poor credit score is the result of fraudulent activity under your name then you do have recourse. Firstly, you will want to report the abuse to all the credit reporting agencies, the credit issuers, and the authorities. Once you have done this, you can consult with the respective credit reporting agencies to help clear your unwarrented bad record. Now, if your score is because of your own actions the best thing going for you is time. The older your bad stuff is on your report the better this will be for you. Therefore, don't continue to make bad decisions when using credit. Also, to reestablish a good credit score you may want to take out a secured lined of credit. This can be done many ways but one easy way is that you deposit money with an issuing credit card company. I did this years ago with Citibank sending them $300 in which I got a credit card with a $300 limit. After a year of using my card wisely, paying my bill every month on time, they sent me a new credit card with an $1800 limit and my $300 back with interest. This was 12 years ago now and I just got out of high school at the time so $300 isn't what it used to be but whatever amount you start with it will start improving your credit. Good luck.
- Credit Scores are very important as we all know. Sometimes there are things on crdit reports that should not be there. You state that you have already tried letters and are looking for something other than the credit repair companies, which often times are scams. Rebuilding takes time: http://www.moremerchant.com There are many tips on the above site that can help you out. Many of the links deal with credit scores as well as rebuilding which it says takes time. Take a look.
