Credit Repair
how can i repair my bad credit and raise my score?
I am trying to repair my bad credit so that i can raise my score to buy a house. I have gotten a credit report and the main problems i have are unpaid medical bills, a judgement and a student loan. I have never had credit card so i dont have any of those problems. what i want to know is what is the best way to handle this and would it be a good idea to hire a credit repair agency. i was told by one person that they could repair my credit for $200 and $50 a month. I also have things that are over 7 yrs old how can i get these removed some were even relisted on my credit report after the 7yrs can they do that?
Public Comments
- Collect all your paperwork first. Then speak to a reputable credit counselor.
- now see, there are many ways to repair your credit, and you know how to do them you probably just don't feel like it, or you just don't want to. This website that helped me out a tons was only like 20 bucks or something, and it gave me over 350 pages of information packed ways to repair my credit. when i was 19, my mom ran up all my credit cards and took me down to a 400 or something like that, it too a year or so, and with these guys help, my credit was around a steady 730 or so. They really do help, I mean you can't trust anybody but yourself now a days, this worlds getting more and more messed up. That's why i chose to buy there information and do it myself. quite simple... if you want, go to www.youneedtorepairyourcredit.com it's pretty darn hepful stuff
- Send everyone a letter disputing the validity of the debt and ask them to validate, in writing of course, each and every one... Hopefully that will delete some of the old ones... Start paying off the valid debts... get a second job... Then, start looking for a collateralized credit card... mine is from Orchard Bank, but I'm sure there are others... Mine has a $200 limit... Buy $50 worth of stuff on it and make sure every payment is early... I immediately started getting ripoff card offers ($250 limit/$170 in fees right off the bat) but waited until I started getting "real" card offers, then took two low limit cards... After a year, I was able to buy my house... It takes a while, but so did damaging your credit... You can do anything a repair agency can do... and put that $200 towards a debt.
