Is there any way to fix my bad credit?
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
114100
Unfortunately there is not way to repair your credit score quickly, that's why it's imperitive that you keep up with good credit practices...\n\nI would get a department store credit card and buy something every month, and then pay it off right away....that same day even....doesn't have to be anything big....you just need to establish good payment history. \n\nIt will take at least a year of this and no other blemishes on your record to effect your credit score.
156362
You can't.  If you have bad credit, you are a high risk.  You WILL pay more for a loan, PERIOD.
81470
if the person affected your credit rating, contact FICO immediately. get a copy of your credit report, and then go through the process of writing letters to remove errors from your report.\n\nto move forward in life, business, or whatever, it's very important that your credit is clean!
886122
No.  Most of those websites are scams.  They take your money and do nothing for you.  The reality is that noone can fix your bad credit except you.\n\nThe few websites that do help with this still have you do the work, they just provide you with the info.  Below is some info on how you can fix it yourself.\n\nFirst off, request your credit report (you can do it for free on the link below).\n\nOnce you go through your report, highlight those accounts that are bad.  Do any of those not belong to you?  Contact the credit report company and ask them to remove it from your credit as it does not belong to you.  Those that belong to you should be isolated into two categories:  Those you can pay off, and those you can't.  Contact those you can pay off and let them know that you will pay them off.  Ask them who to send the payment to, and ask that they remove the negative report since you will be paying them off.  Tell them you will not pay them unless they agree to remove the negative report.  They will.\n\nNow comes the hard part. Contact each and everyone of the bad reports that you can't pay off and negotiate with them to see if they would be willing to take a partial payment for the whole sum.  Let them know that things have been difficult and that you are considering bankrupcy, but that you would like to settle your debts with them before that happens.  As before, ask them to remove the bad report as a condition of paying them.  Most companies will take a partial payment over no payment.  This takes finesse and persuasion.  Always ask for a supervisor when you call as they have the authority to negotiate an account.\n\nLastly, guard your credit.  Get a secured credit card through your bank and make a very small purchase each month and pay it off each month.  A history of purchases and timely payments will improve your credit over time.  There are no quick fixes, so beware those who offer them.\n\nBest of luck.
1007412
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.
60822
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.\n\nNow, 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.
1043931
Keep paying minimum payments on the CC then use everything else to go toward collections.  \n\nThen the credit card.\n\nYour credit isn't too good now, but this will help it from getting worse.
1103852
check out my profile and use the link\nit takes you to a company that compiles banks and lenders for people with bad credit\nit also provides a credit repair kit help to get that score up
706987
You can do it yourself or you can pay someone to do it for you. \n\nHere is a good free kit to do it yourself: http://www.expert-credit-advice.com/free_credit_repair.htm\n\nHere is a good company to do it for you: http://www.expert-credit-advice.com/credit_repair_service.htm\n\nAnd if you are one of the skeptics that has said it cant be done because your credit is messed up and you have given up, read this page: might change your perspective: http://www.expert-credit-advice.com/credit_bureaus_credit_repair.htm
660091
Contact the Credit Counselling Service (or something along those lines).  Free charity, great at helping to deal with debt.  As far as I know you can ask but it is unlikely they will reduce the amount - they do however cancel interest!  Good luck.  Also CCJs only last for 7 yrs on your credit rating.
85304
Well, more than 75% of the people throughout the country do carry bad credit and all of them get the loan from somewhere or the other so there is no reason why you can't. I'm a loan officer myself and has helped many.....give me a call if you like and i may be able to help you out.
851181
banks are not the place to go to if you have bad credit; you'll need to talk to a broker or retailer in the area of financing you desire.\n\nWhat do you want?  A house, a car, a loan, a student loan?  Etc....\n\nThere are varing degrees of bad credit.  The easiest to do is talk to a mortgage broker, as their credit terms will be most generous (to buy a house).  Do this even if you don't want a house, as you'll get an honest assesment of your credit this way.\n\nIf they can't help you, you need to talk to a credit counseler to rebuild.  You'll need to wait a couple years for results.
728122
Yes you can it you find someone to help you with your credit.  Go to this web page that can help you.\nwww.fdirep.com/runningover click on the video
541487
Suggestion: Go to 'rent to own' places and ask them if they will report your timely payments to the credit bureaus for you. Most of them will be happy to say yes, if you buy something of course. Get something small and simple and make the payments on it. Try to get 90 days, same as cash and knock it out before the 90 days are up. They report your good work and you can start rebuilding your credit. The bad stuff will still stick around for 7 years, but your efforts will help you in getting loans if you need them. Good luck to you!
352118
try Capital One. but alot of credit card companies will try to work with bad credit just the intrest wont be that low. if that doesnt work try a secure credit card.
411317
go to your local bank and ask for info. a lot of places will give you a loan with bad credit. don't you ever watch television??