My credit is terrible and I would like to clear it before getting married next year can you give me any indeas
372394
start paying the stuff you owe on yet. and you cant declare bankruptcy unless you are so much in debt, i believe you have to be close to 10 grand in debt to do so. and i dont think it will hurt your husbands credit.
200391
I'd suggest cleaning up your credit.  In loo of that you may need to open a joint checking account to get re-established.  This could be risky for the other person as you could very easily trash their credit if you make any mistakes with the account.
622925
NOT TRUE!  YOU NEED TO REGAIN YOUR CREDIT, BY BUYING A CAR AT A BUY HERE, PAY HERE. IT WILL HELP YOU RE-ESTABLISH YOUR CREDIT IN TIME, USUALLY A COUPLE YEARS. ALWAYS WHEN BANKRUPTCY HAS BEEN FILED, TECHNICOLY THEY CAN HOLD IT AGAINS YOU FOR 10 YRS.
215162
the only way to fix your credit is to pay off deliquent debt, or at least start,and stop applying for new debt(just the apllication hurts your credit). other wise wait seven years for it to clear from your history.\nmake large down payments on items, at local businesses, that you are going to buy anyway and pay them off!!\ni heard on the news that most credit fixing companies are scams and get some of the money that you could be paying the creditors. a phone call can do wonders.
818290
Try to consolidate all your debt so that you have only one payment to make per month and you can easily see that it is going down - this may give you some incentive to slow down your spending habits. And most definitely pay them off before you get married. You will have enough stress adjusting to married life and everything that comes with it without having money problems to add to it.
1068830
Go to credit counseling in your area.
1159042
TO be real honest with you. CREDIT REPAIR company are not that good.  The money you give them to help you could be use to pay wha you owe. You would be better off doing it your self.  Please go  to daveramsy.com he has alot of information that can help you and show you how to be debt free
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
144034
My most tried and true marriage advise is about finance.  NEVER, EVER, get joint credit cards.  NEVER get anything that ties both of your credit history together.  You can have a joint checking account and savings account, but don't tie up your credit.\n  \n  the reason is, if one person screws up, it brings the other person's credit down.  I had the best credit in the world, a perfect score.  My ex killed it.  Can finance break a marriage?  Like I said, my EX killed my credit.  \n\nHowever each family is different.  Too much money can screw up a family even more than too little.  Look toward Hollywood for an example of that.
1080999
what dose that have to do with credit
814380
Talk to your attorney or pull your credit. It depends on if it has been discharged yet.
196244
Try Capitol One Credit. They help people with not so perfect credit. You can even apply online. Try autotrader.com
1096802
it depends on your credit and sometimes your purchases. is there a particular place you enjoy shopping. take that into consideration. also ask your bank manager to help you. they are the professionals
29216
get ur credit report from all 3 places.equifax, experion, and there is one more..can't think of the name. Check it. Maybe there is things on there that should not be, if so, tell them and the credit place will have to place a rebutal on there and then you will have time to figure that out. Also place a FRAUDULENT ALERT ON THE REPORT. The agencies will have to contact you before anything is placed or bought.  And if there is things on the report over 7 years, call them and explain to them, most of the time, they will take it off. In some cases, the place you had credit with probably doesnt exist anymore and when the credit ppl send a inquiry, it will come back unanswered and they will have to clear it off of the report. keep a check on ur credit every year. each agency will send you one report free yearly. hope it helps
314370
Then you need to call the Mortgage Servicing department for your Mortgage Lender.  You DON'T want that to negatively affect your credit!!!!!!!
913256
First... request a copy of your credit report from each of the three major credit bureaus.  Make sure everything on there is accurate and dispute anything that isnt.  \n\nAfter that, you need to close any credit card accounts that you haven't used in awhile.  Having too many open accounts, even if they have a zero balance, still looks bad.  \n\nOnce that's all done... the best way to increase your credit is to make payments on time, keep balances low, and payoff anything you can.  If you don't have any debt, you can increase your credit rating by getting some type of loan (car, credit card, personal loan) and making the payments on time.  Paying such things off early helps a lot too.  Don't let yourself miss even one payment, as that will negatively affect your rating.  \n\nOther than that... if there's bad stuff on there, it's going to be there for the next seven years.  Until it's all gone, your score still won't be great.  \n\nI will tell you that it's worth it though... I had bad credit (thanks to divorcing my lousy ex) for most of my adult life... and finally in the last few years, it's become really good (since I'm no longer paying for HIS mistakes).  Sure makes life a lot easier!
978354
Your credit score won't be affected unless you make late payments.  You're okay.\n\nGood Luck!