i want to know what can i do if i never pay my credit cards bills and now i would like to fix my credit?
147671
Never paying CC bills leads to a lot of negative things.  1) you will have harrassing phone calls at work and home ALL THE TIME (this has happened to me).  2) you will not be able to clear your credit card debt off your credit report for at least 10 years depending on which state you live in.  3) You will never be able to repay the debt because one default on a payment and your interest rate shoots up to the maximum % rate allowed by your state.\n\nClearing your credit report won't be easy.  The "free" report you get once a year from the BIG 3 credit reporting agencies is sketchy and doesn't show the entire picture of your credit.  You have to pay for that privilege through their web sites.  For every single item on your report that you have an objection to, you have to write to that particular reporting agency to get it cleared and provide proof that you either cleared the debt yourself or some documentation clearing you of the debt (a court order or something like that).  Now remember:  all 3 agencies will report different things about your credit.  So what you see on one report may not show up at all on another.  It's a very long, tiresome process to clear your credit report.\n\nNow, you CAN buy a home, car and other things with bad credit.  But usually you'll be talking about a higher than normal interest rate (which adds to the amount you have to pay back), some really nasty folks to work with if you should get behind in your payments and other negative things too many to mention.  \n\nCredit Counseling is different, too.  Be very careful of these folks because what they can do for you differs from place to place.  Some will only lower your interest rate but you keep the same balance.  Some will reduce the balance but maintain the same interest rate.  Depending on your situation, you may even get reported to the Big 3 credit reporting agencies as a bad risk, thus lowering your credit scores.  \n\nHope this helps!
1114437
If you are needing to repair your credit so you can qualify for a loan etc. I would suggest going to the link I have provided below and do learn how to fix your credit.
801488
The first thing you need to do is get a job. Once you have money coming in talk to your creditor and try to work out a repayment schedule. Don't ignore them. Once you make an agreement with them make sure you stick with it and pay more if you can. You may be able to work out a lower amount to pay them or a reduced interest rate, but make sure you get any agreement in writing. You have already damaged your credit, but it isn't anything which cannot be corrected. Unless you straighten this out you may find it difficult to find a better paying job when you graduate from college. Some companies will check your credit before making a decision to hire an applicant.
299912
First check your report for any errors.  Fix any that exist.\nPay down outstanding debts and close accounts that may cause you to have too much outstanding debt.\nThen, make certain you pay every bill, not only on time, but early if possible so that you can make sure you don't get dinged for being late.
684492
If you have credit cards, do not just pay them of and close them, keep them open. The longer you have the accounts, the better it reflects on your credit. Keep an eye on your debt to income ratio. That is a biggie. You never want credit in excess of what you earn, lenders will think twice if they see that. And definitely don't over charge your cards. Keep balances low or at zero. A good way to work on good credit is to after you pay your debt off, take one or two cards and put all of your monthly expenses on them, but at the same time, remove the money from your checking or savings account register so that way you can just pay the balance off every month, cause you set the money you charged aside. Just don't have too many lines of credit open, but keep the cards that have been open the longest. And, one more thing. Never make late payments if you can avoid it. But, if you are in a bind, call your creditors. Tell them that you can pay some of what you owe, or can pay in full on a certain date, they will usually work with you. Good luck.
258061
There's several Non-Profit debt consolidation groups out there that will do this, but it completely kills your ability to obtain any new credit until the consolidation is totally paid off.  I've been credit card free for almost 8 years now and it feels great to never see a bill in my mailbox.\n\nDo your part to end pointless economic wars on yourself by financial institutions by becoming a balanced-budget person.
793943
Contact the major credit bereaus. They can provide you tools to correct it without involving the law.
151143
Have you paid your debt to the bank(s) where you wrote bad checks?  If not, do so first.  If so, request that they issue you a statement on bank letterhead that you have paid all debts to them.  With that letter, banks will be more willing to make an exception.  Without it, it won't be likely.
93959
There are ways to clean your credit.  First things first though.  You want to make a plan to start paying down/off your debt.  Once you have the plan, and start working it, you can dispute things on your credit.  Sometimes companies report failure to pay incorrectly.  There are companies out there who can help you fight those part of your credit report.  You can also do it yourself, but in my opinion, its better to leave that kind of stuff to experts.
612674
Sue!  Get a barrister and make them prove the claims.  Call your credit card company and refuse the payment.  Tell them the credit was not authorized, and they will not pay it.
13694
I'm assuming that you are talking about an old debt that you never paid and is now in collections.  The best option is to contact the collection agency and tell them you want to work out an arrangement to pay a portion of the balance.  Make sure you get them to agree to this in writing before you make a payment to them.  After you pay the settlement amount your credit report will reflect the account as a paid settlement, which will let future creditors know that you didn't pay the full balance but at least made an effort to pay a portion of the amount you originally owed.
607012
start by becoming a responsible spender. pay your bills and keep paying them on time. it will take a while, but eventually your credit score will come up. if you are in debt over your head, try a consumer credit counseling service. they help you pay off your bills and a lot of times reduce your debt load by negotiating with the card companies on your behalf. might be a good idea to check into
998414
#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). You can get your first set free on an annual basis at annualcreditreport.com.\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/031224fcr... 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 unless necessary.\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!
1042232
You can always call and ask if you have been approved or not.\n\nIf you get denied, you can send a reconsideration letter. Tell them why you have bad credit (hopefully the bad credit was years ago) How you are trying to clean up your credit etc. \n\nIf you do have bad credit, you should try to clean it up. I'm listing a fantastic "free" do it yourself credit repair site.
766636
Be very careful with credit counseling agencies.\n\nThere are good ones out there - and there are bad ones out there.\n\nAny that charges YOU the customer - is not a good deal.  Then too there are those that have you send them your money and then you never know what happened to it.  No one gets paid and you never get it back.\n\nThe only one I can tell you for sure is legit is "Consumer Credit Counseling".  It appears to be the most respected one in the credit industry.  \n\nKnow too that lenders do not have to abide with whatever a credit counseling agency tells you the creditor will do.\n\nPLUS - talk to the creditor first is a good idea.  Explain to them that you are considering this option.  You may find that your creditors will work with you to resolve the problem you are experiencing.  My company does that.  At no cost to anyone.\n\nGood luck.
747130
First, it is extremely important to fix any errors on your credit report.  You can start by getting your free report from the three major reporting bureaus from:\n\nhttps://www.annualcreditreport.com\n\nClark Howard is a nationally-syndicated talk show host who talks about things like this a lot.  You might find some helpful advice in the forums at:\nhttp://clarkhoward.com\n\nOnce you get any incorrect information off your credit report, you can start looking at ways to build up credit by having a small balance credit card and always paying it off each and every month.  You may need a parent or someone to co-sign for it as you are just starting out.\n\nI hope this helps point you in the right direction.
934701
Try this.\n\nWhen you call these companies, tell them that you want IN WRITING a guarantee that they will raise your credit score and remove bad items from your credit report once the bills are paid.  \n\nAnd that they won't take any money unless these things are accomplished.\n\nYou won't find anyone who will agree to this.  Why?  Because they can't possibly promise such a thing.\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must delete it\n2) The creditor fails to respond to an investigation request from the credit bureau.\n\nNote that payment of a bill does NOT remove the item.  It only changes the status from being late or in collections, to paid.  But it still reflects late payments or collections.  It's still a negative item.\n\nThese "credit repair" companies will TRY to negotiate a payment arrangement that will TRY to remove the negative items.  But there are no guarantees.  \n\nBut it is a guarantee that these companies will demand payment for their services, whether they succeed or not.\n\nBefore you go this route, do your research.  Many of the things that these companies do, you can easily do yourself.  \n\nAlso note that many of these "credit consoler" or "credit repair" companies are a front for companies offering consolidation loans or other such services.  Be aware of what's going on!