how do i fix really bad credit?
831959
Repairing your credit takes time, patience and strategy.  6 months-1 year\nYou can do all the repairing yourself but sometimes when it gets to overwhelming, that’s when you should get professional help.\nIf you have any question, please e-mail me.\n\nGood Luck!
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!
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.
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.
117557
try Consumer Credit Counseling Service of North America. It's a United Way program.
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.
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
276485
find a reputable credit counseling agency...get an additional job if possible.\n\ncredit counselor company will act as a middle man to your creditors and will negotiate a lower rate for you and also get some of the balance wiped out....you will pay the credit counseling comany the payment for all your creditors along with a small fee...\n\ncheck out the wikipedia entry below regarding credit counseling!
817065
I am impresssed with your vigilence.  Be patient.  It may get worse before it gets better.  \n\nThe following article is about credit repair and most of it will not apply to you but there is still some good information in it.  There is also a link at the very bottom of it that will take you to a law firm that specializes in the matter.\n\nhttp://www.fastlender.com/article/credit-repair.aspx\n\nGood luck - I hope you get to see the scum thrown in jail.
219115
Sorry to say there are no "magic bullets" you can use to quickly fix your credit score.\n\nFirst step is to understand exactly how your credit score is put together.  Go to www.myfido.com and readup!  These are the folks who wrote and licensed the scoring system used by the credit agencies.\n\nNext, you need to start cleaning up your credit report.  You can get a free copy from www.annualcreditreport.com.\n\nNow you gotta fix it by removing negative entries, deleting inaccurate information, and challenging records that may be old and outdated.\n\nBelow is my "warchest" of informational sites that will instruct you how to go about it.  It also contains some sample letters to send to credit agencies, creditors, and (if necessary) government agencies.\n\nIf you need any help, advice, or encouragement contact me. I've helped a lot of people do this.
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.
61777
Seek out consumer credit counseling through a non-profit debt counseling service.  Here is an example.\n\nhttp://www.cccsintl.org/\n\nBe sure to go to a non-profit.  I did years ago and they helped me.  I only had to pay a few dollars a month for postage, because they mailed my payments.  They will be able to negotiate settlement / payment terms with your credit card company. credit and your life back in control. \n\nGetting the cards under control is only half the battle. You have to get control over your budget.\nOnce you have your expense and debt under control you'll craft a plan to service your debt. One more thing I did, and it was no fun, was to get a second job.  Think of it as a short term way to pay your debt faster.\n\nIn the end you'll have good credit and you'll be proud that you did it. \n\nGood luck!
358784
Yes, there are ways to remove some of the bad entries in your report.  If you want to go to battle, read the links I've supplied below.\n\nDo not waste a dime going to any of those credit repair places.  They will charge you a lot of money to do the exact same things you can do yourself, and they will be just as successfull.  \n\nHere is a real quick rundown on what to do....\n\nGet your credit report (for free) from www.annualcreditreports.com.  Study them carefully for any errors and negative reports.\n\nKeep a carefull log of any calls you make, who you talked to, and any letters you write.  Be sure they are sent by certified mail.\n\nExamine your report for any debts that have run over the Statute of Limitations.  Also carefully note the reporting dates of each item.  According to the Fair Credit Reporting Act, they can NOT be listed if they are older the 7 years BEGINNING ON THE DATE OF DEFAULT!  Creditors and collection agencies are good at moving up this date, or even reinserting it after it has expired.  Verify this date with your own records if you have them.\n\nSend a letter to the credit reporting agency (CRA) and protest any negative information.  The CRA will then "verify" the debt with the creditors.  That means that all the creditor has to do is respond back within 30 days and say the report is accurate.  They don't have to prove anything or supply any paperwork.  If they don't respond within 30 days, the CRA must REMOVE the entry.  This works great with some older debts.\n\nIf the debt gets "verified" (you get a letter from the CRA), then write the creditor a "Demand for Validationn" letter.  (See the link below).  Validation mean they must supply you with contracts, bills, receipts, and everything that was used to calculate your debt.  This,again, is in accordance to the Fair Credit Reporting Act.  \n\nIf they send you this information, and it is complete and accurate, you have hit a brick wall and there is no good way to remove the entry, unless you can sweet talk the creditor into removing it on their own.  Not likely.\n\nIf you do not hear from them in 30 days, send a copy of your validation letter, plus another demand to the CRA to remove the entry due to lack of validation.  \n\nIf they still will not remove, you have grounds to sue both parties in court.  \n\nAnd yes, Mr. Collection Agent, this is a fact. I'm doing that very same thing right now.  Funny how responsive creditos are they THEY are the ones getting sued.\n\nYou are about to go to war.  Knowledge of the law is your only weapon.  Don't fight these guys unarmed!
215461
It will take several months to a year to get your credit really improved. Be careful of using a company who says they can raise your credit score. Cause legally they cant. Only you can. And while paying them large sums of money, you can dod it yourself for free. Depends on the elbow grease your willing to give. Check it out. There really is no super fast way to do it. But the best and probably quickest way would be to go to Annualcreditreport.com and get your free 3 credit reports. Then go through them and dispute the negative items on your report that dont make valid. Even if unsure, do so anyways because it becomes the responsibility of the creditor to prove that the information is accurate. If the creditor doesnt respond within 30 days the negative item has to be removed by law. In which removing a negative credit report item raises your score. Also, finding your most recent and lowest balance debt and offering halve of what you totally owed for it. Most creditors are willing to do this if your account has been way behind for a long time. Because now they're just worried about getting any money from you at all. Same is 100% true for collection agencies whom took over your bad debt. Offer half and no more. Ask to include in writing and mailed to you that they will remove negative from your credit report in terms of full half-amount payment. That raises your score. Other would be as suggested to get a secured credit card and just use it for gas twice a month or something small. Dont use it for anything else! Thats how you get screwed up again. Make the payments on time...everytime. This will start to show up as a positive item in your credit report and by showing a low balance on you card (30% or less of high limit) will show you can be responsible with your credit and thus create a higher score and higher opinion of a future creditor...such as an auto financer. Heed this and Hope i was of some good help to you. Good luck. Shuuutnstr =o)
224192
5 steps to better credit\n\nCorrect blatant mistakes. Your credit score is only as good as what shows up in your credit report. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan. Changing a mistake on your report - such as a payment that is wrongly labeled as late -- can take 30 days to three months, sometimes longer.\n\nPay your bills on time. This is always a good practice, and it's especially critical that you make prompt payments close to the time you need a loan. That's because a late or missed payment in the last few months is likely to lower your score much more than an isolated late payment five years ago.\n\nReduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit. Generally, it's good to keep your balances at or below 25 percent of your credit card limit, said Jeanne Kelly, founder of The Kelly Group in Brookfield, Conn., which helps clients improve their credit scores.\n\n\n--------------------------------------------------------------------------------\nTry CNN/Money's new Debt Reduction Planner for help wiping out credit-card balances.\n\n\n--------------------------------------------------------------------------------\n\n\nPay off debt rather than moving it around. Since the ratio of your credit card balance to your credit limit is key, closing out an account and transferring the balance simply means you increase that ratio, which is likely to lower your score. In other words, say you owe a total of $2,000 on four credit cards, each of which has a $2,000 limit. Your total credit limit is $8,000, of which your total balance ($2,000) accounts for 25 percent. If you transfer all your balances to two cards and cancel the other two, your total credit limit is reduced to $4,000, and your $2,000 balance now accounts for 50 percent of that limit.\n\n    \n \n\nDon't close unused credit card accounts near loan time. If you have several credit card accounts but are only using a few of them, you'll only raise your balance-to-limit ratio if you close the unused ones. You also shouldn't open new accounts when applying for a loan if possible. If you have a short credit history or very few accounts, opening a new credit line may lower your score since you don't have a proven track record, said Jan Davis, an executive vice president at TransUnion. What's more, a new account will lower the average age of your accounts, another factor in your FICO score.
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
578201
The trick to fixing your score is getting the creditor to remove the negative entry on your credit report.  Once you have paid them back, you are going to find it very difficult to get them to cooperate with you and fix it.  \n\nTbat's why I recommend that people get an agreement IN WRITING that they will remove the entry once the bill is paid.  \n\nAt this point, you are screwed.  Just placing "paid" on your account does NOT remove the negative entry, and will only have a minor effect on your score.  \n\nAll you can do now is call the creditor and politely ask them to please fix your credit report by removing the entry. \n\nGood luck.