I used to have credit cards in which where sent to collections about 3 years ago. I've applied for credit cards, but they all deny me due to my credit history. I was told if I have someone who has GOOD credit add me in their credit card account then that would help me bring up my credit score.
210224
Try doing the opposite.  See if you can get someone with good credit to co-sign on your loan or credit card.  \n\nCo-signers usually do not benefit as much from a good credit history, but sure get in trouble if there is a missed payment or default.  It can ruin the co-signer's credit.\n\nIf you have a friend who will co-sign your card or loan, it will help you more.  I did that with a friend who filed for bankruptcy, and had a very difficult time getting credit.  They needed a credit card to reserve a hotel, buy plane tickets, or general emergencies.  I had super good credit, so the credit card company had no problem giving us a card.  It helped her pull out of bankruptcy.
177055
I don't know what planet shaybjones lives on, but that's not how it works around here.  \n\nTo answer your question, there are two time frames you need to be aware of.  For your credit report, the bad reports will stay on your credit history for 7 years, starting from the say they went delinquent.\n\nThe "statute of limitations" on your debt depends on the state you live in (look at the links below).  Once that day runs out, the creditor can no longer sue you, and you have no legal obligation to pay.\n\nAgain, read the links below.  They go into the details of both of these time frames.\n\nYou can start cleaning up your credit by following procedures in the Fair Credit Reporting Act.  Protest the listings, and demand that the creditor validates the debt.  Sometimes the listing can be removed through this process (not always).\n\nStart building your credit by getting secured credit cards, or other types of credit cards (department stores).  By making your payments, you will slowly develope your score back up.
675137
It depends on what agency he used to pull your credit. Some creditors only report to certain bureaus. maybe they'll report to equifax and not transunion. If could be that the creditors you have may have only reported to two of the three agencys. Highly unlikely but possible. Tell your guy to use CreditPlus. That's who I use. I'm a mortgage guy too. Basically it costs money to report you to the bureaus. so if your creditors are cheap than it may just be that they only reported you to the cheaper bureaus and not all of them. Most credit cards will report you to all three bureaus but some smaller ones will only report you to some.
78759
Generally, credit card companies and banks will look at the last 12 months of history, If they are looking any farther back, they should't.  Comapnies ussually report every three months or so, sometimes more.  Let me give you an example of what a credit card report looks like and i'll go over what it means to them:\n\nCAP.1\nOpen date: 12/03 last reported date  3/06\nHigh Limit  1000   Balance  850    Remit   10\nCCC1CCCCCCCCCCC2\ntype of account Credit\nThis account is in good standing \n\nBnkOfAm\nOpen date: 10/00  last reported date 1/06\nHigh Limit 22500  Balance 15650   Remit 400\nCCCCCCCCCCCC\nAUTO LOAN\nThis account is in good standing\n\nThis is kind of what a report will look like,  They will give the creditors name, The ammount of money that is allowed on the accound or the total loan ammont, next is how much is left to be paid, the next is how much you pay a month (REMIT) The line of "C'S" is where the good stuff comes... the c's mean that your account was paid for that month, when you see a 1 on the account it means that you have paid late once in one month, meaning that you might have paid a couple of days late, if you see a 2, that means that you have paid twice late in 1 month, which means that you missed one month and you paid the next month late.  about 75% of your credit score is based on payments, the rest is generally for ammount of credit cards in high limit, length of time of your open account, how many accounts you have open that are unpaid, etc, etc.  If you waut about 6 months and do nothing but pay your bills on time, you should be in the 600's the lowest score that you can get is 350 the highest is 800... a 600 score, is okay, but not great, you may not get all the benifuts of a 750 scored person.\n\ngood luck hope this helps.\n\n\n\n\nsorry!\niquiries only show up once on a 5 MONTH basis, like lets say if youre applying for a home loan, if you appply of rthe same type of loan 18 times, it shows on your report but it only affects your credit by like one point, but if oyu have multiple inquiries for different things, like auto, home, credit cards, H.E. loans, it may effect it more.
406717
Many credit companies share information, so if it's listed on any card you have, they could have gotten it.  Also, if you called into a credit card company, the system automatically notes that number and if they don't have a good number for you they can and will try that number.  Also, they have access to pubic databases which may include your phone number.  And since you wrote them a bad check, they are well within their rights to track down a good number and call you.\n\nTwo words of advice - look into the sailors and soldiers relief act - payments on any card your husband had before deployment can be reduced and the intrest lowered.  Also, if collectors call you, answer your phone and identify yourself before you hang up.  That means they can't call back for a longer period of time than if you just scream "don't call and hang up".  Plus we are mostly nice people if you are nice to us.\n\nAnd you can't sue them, they haven't broken any laws by calling an unlisted number.
582013
If you are now up do date on your payments, and it has been awhile since you became up to date, you can always try a goodwill letter to the creditors. Tell them that you have worked hard to become current, it has been x number of years, can they please list the accounts on your reports as never late.\n\nIf you are still behind on the bills or the accounts have been charged off, thats a whole nother ball game.\n\nI would suggest going to the site that I've listed. It is a "free" do it yourself credit repair site. \n\nThere is no sense paying for anything or anyone to do what you can do yourself. Especially since alot of those credit counseling places will leave you worse off than you are now.
446461
here is my advice to you and it's true,keep your credit card open for a long time ,don't close it.this will be good for your credit history and make sure you only use 50% of your credit.example you have a credit limit of $1000 only use $500 and don't go over that.this will dramatically increase your credit score.
620791
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc).\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcra.pdf for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards until after you buy your home.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
27220
I have about 5 - Used to have more. I don't think 5 is needed though.  3 is my recomended # -  We USED to have credit debt and ended up keeping the 5 cards that have the longest credit history. That's the only reason we have 5.   I do use them often but now it is only for purchases that I KNOW I can pay in FULL when the bill comes.  So I am NOT in debt anymore - Thank You God!!  It was a long road to hoe - 10 long years we paid off our debt  (over $57,000  - not including house loan) \n\nI am a firm believer in credit used properly.  Too many people don't understand how to go about using credit and end up building a mountain of DEBT instead.  I learned the hard way that this not a good idea.\n\nPS -  andy_r_boyd  -  Don't close down your other card.  Just keep it open with no balance.  put the card away in your file cabinet for safe keeping.  When you close down your oldest cards you are closing down your history!!  TIME is your friend.  Just having the card there helps your credit score because you are in good standing with that card.  Plus it shows to other creditors that you are not out of control with your credit cards.  It looks good to have a card with no balance on it.  It shows that you can budget yourself and you don't have to rack your balances up or max your cards out.  Keep it until you are old and gray :)
24130
Credit Scores are very important as we all know.  Sometimes there are things on crdit reports that should not be there.\nYou state that you have already tried letters and are looking for something other than the credit repair companies, which often times are scams.\n\nRebuilding takes time: http://www.moremerchant.com\n\nThere 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.\n\nTake a look.
567865
I am a loan originator and deal with people who have bad credit on a daily basis.  I would suggest getting a copy of your credit report.  Then making sure that there are no duplicates or closed accounts affecting your score.  If there are you can call those places that have been dawdling in taking them off your credit report.  Pay things on time and try to get rid of as much revolving debt as possible.  If your credit is bad now you may need to wait a couple months until you can correct all of the above problems and bring your credit score up to where it should be.  I hope I helped to answer your question if you have any more concerning your credit scores feel free to contact me through my yahoo email.  P.S.  A credit repair company can raise your scores but you most likely won't see the results until the process is over, they can really affect your score negatively while the repair process is taking place.  Just put yourself in the lenders position. Would you lend money to someone going through a "credit repair"?  I suggest trying to do it on your own first.
627001
the seller asked the credit card company to confirm that your card was good and had available credit so the seller would get paid by the credit card company.  either there was a problem with your information (wrong number) or there was a problem with your card (late in paying, over limit, etc).  in any event, the card company won't accept your card, so unless you can correct the situation or use another card, you can't shop online for awhile.\n\ngood luck!
371133
Call all of your credit card companies, bank, library (if you have a card), & any other info you may have inside of your wallet.  Let everyone know you had it stollen & get new cards for everything.  You can even contact the 3 credit score places (Transunion, etc) & have a 30 or 90 day watch to make sure no one opens a new credit card in your name.  Ask a local policeman for advise.  They may write up a report so you have record of when it happened.
104851
STOP APPLYING FOR CREDIT CARDS!\n\nIf you have been denied, don't apply again for a year at least.  Every time you apply, a notch goes on your credit history.  You are making your credit worse every time you apply after you are denied. \n\nIf you are wondering what happened or what the status is of a previous application, call the bank or the company you made the request to and they will resend the result to your home.  Otherwise, just start spending less and save your money because a credit card might be a year or more away for you.
315992
If you have bad or poor credits and want to re-establish your credit, these are the special cards for you such as USA Gold Shopping Card, USA Gold Optimum, or Orchard Bank MasterCard. Since you credit history is bad or poor, you will be only given a small credit line. And you might have to pay a higher interest rate than that of regular credit cards. But if you are determined to get your credit back to good standing, apply for one of those credit cards and always make the minimum monthly payment, or even better - pay off the balance every month. Your credit lender will be willing to low the interest rate and increase your credit line gradually. \n\nIf you still can't get approved for these special credit cards for bad credit, try pre-paid credit cards - These Prepaid Card does not extend you credit. Instead, accounts are prepaid for a specific amount and accounts are only good for the balance you have loaded/applied. They work pretty much like a debit card but entitle you to some benefits of a credit card.
226832
It will help build a payment history.  Always be on time with your payments.  It's easier to destroy credit than fix it!!!  Then, start saving up and using cash!!!!  Credit cards are EVIL!!
654799
First of all, how old are the tradelines (reported items) on your credit report? If they are old enough, say 5-6 years old or more, you may be able to dispute them. However, you must be aware that you do not want to initially dispute with the credit reporting agencies, but with the creditors themselves. It is called a "Request for Validation." Persuant to the Fair Debt Collections Act, 15 USC 1692g Sect. 809 (b), the debt collector must provide you with evidence that the debt belongs to you. If they CANNOT provide you with sufficent written proof, then persuant to Fair Debt Collections Act, they must stop all collection activity, and delete the tradeline from your credit report. BE AWARE: not all collectors are willing to cooperate. They may report a current delinquincy on your credit report while you fight the debt, and may begin the collection attempts all over again. Also keep in mind that it is very feasible that the creditors may validate the debt(s), re-report to the credit bureaus, and your score may go down. \n     Please note that there is no such thing as a quick fix. Fixing your credit takes time, energy, and a whole lot of patience. Don't fall prey to any company that claims to fix your credit overnight, especially when they are charging a ridiculous amount of money.  Even if it is possible, the next scoring cycle may put you right back to where you started. Credit repair can be done on your own for free. If you are interested, I have completed a massive amount of research, and I have a collection of interactive PDF forms that you can complete and mail off to the collectors as well as the credit reporting agencies. \n     If a creditor validates a debt, then you need to work with them on a settlement. DO NOT send them a payment without a written agreement of the terms. Collectors are tricky, and want to collect as much from you as they can. In other words, get everything in writing. Again, I have settlement forms in PDF format should you be interested.\n     All of these techniques have worked for me, as I have increase my score over 120 points in the past 14 months. At a 518 FICO score, you really don't have much to lose...