Is there any way to reverse bad credit?
930790
And yes, it is unfair.  Just be glad it wasn't a $30,000 car that you learn this lesson from.\n\nBut its too late for that now.  Contact the apartment office and make arrangements to make payments on half.  There are two things to know here: \n1) you are legally obligated to pay it all, but they may be stupid enough to accept half payment especially if you offer cash (get it in writing that they will accept only half from you if it works, and get reciepts for your payments); \n2) in most states they have to accept any reasonable payment arrangements you offer.  Do not put yourself in financial jeopardy because they did not kick your ex out after he missed his first rent payment.  If they refuse your payment arrangements, get it in writing and contact a lawyer.\n\nThere are procedures for removing one name from a lease when moving out.  But the smartest move is only person signs a lease when roommating or living together unmarried (legally).  If the landlord in question refuses to do this, find a different place to rent.  Never get forced into anything as costly as a place to live.  This goes along with never buying a house with a fiance without a legally-drawn, signed and notorized agreement with all parties concerned.  Love is great, but is not legally binding.
1094635
#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!
962290
Call your credit card company and have the charge reversed.  right away.
963261
If you paid by credit card, contact the credit card complany and cancel payment on the item.  That's the reason we use credit cards!  Once they realize they aren't getting their $$ I bet they start listening to you.\n\nSorry about your bad experience.
635841
Just call and ask them to lower your rate. You will be suprized at how easy it is. It will not affect your credit rating at all.
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.
763544
Credit repair services are a hoax.  Avoid them.\n\nCredit counseling services, however, aren't about your FICO, but about debt reduction. Some of these have a bad reputation, too, so only use them as a last resort and read all of the fine print.\n\nThe only way to improve your credit is to start rebuilding it over time. Get a low-fee secured credit card. Pay it off monthly, and let time heal your credit.
925216
That’s great that you atempted to repair your credit yourself before you decided to pay someone. \n\nNow that you know how aggravating the credit bureaus are to deal with, you need to find a legitimate company. Let me tell you; they are far and few between. I tried to repair my credit myself and gave up. Then I hired a company in California called a “Fresh Start” they charged me $695 and stole my money. I never heard back from them. It turns out it was a complete scam. \n\nStill very serious and skeptical about repairing my credit, the 2nd time around, I researched quite a few different companies. I finally decided on a company in Florida called Credit Network. They are a smaller company and they really know what they are doing. They also didn’t charge anything upfront except for a small setup fee, after that they charge $49 mo, after the work is performed for the previous month. When I started I had 73 negative items between all 3 bureaus! That was about 8 months ago, and they have deleted all but 17 bad items. They were realistic when they said it could take over a year, buts that’s fine with me, because they followed through on what they said.     \n\nSomething very important….. The bad debts that you say you owe; you need to pay them off. I don’t care if you settle them or pay them in full, eventually you need to pay them off because if you don’t, there is a very good possibility they will pop back up on your credit after you delete them. I was told that debts get sold and resold, even after the statute of limitations. So if you are as serious as you sound about repairing your credit, you have to pay them off!! \n\nOh yeah, here is the link to them http://www.expert-credit-advice.com/credit_repair_service.htm
1076187
no. there is absolutely no way that can damage your credit. In fact, I think you just discovered the one thing that CAN'T damage your credit. what you do is just normal consumer actions. everyone does it and other than making sure you're credited back your purchase amount, there's no way it can do any damage.
861042
No, phone them and set up a payment plan. They will try to work with you and avoid going to Court. It costs them money to go to Court. Or you can contact a local Credit Counselling company in your area. They can also help you set this up.
729282
if you've had bad credit, it's tough to get a credit card, since this is an unsecure loan to you.  settling the debts is pretty bad too because it means you're paying less than amount owed.  best solution to work and rebuild  your credit is to open a secured credit card if need be, use it and pay it promptly and on time. after you are consistently paying this on time.. try again to get a new card.
982090
Yes, you can by  asking the credit bureau, the best thing is \napply for a credit card if they approved you it means you do have a good credit and if not it means you have a bad credit.
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.
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
196244
Try Capitol One Credit. They help people with not so perfect credit. You can even apply online. Try autotrader.com
144278
Call your credit card company and dispute the charges. They will send information to the company that charged your credit card. The company only has so many days to respond to the credit card company, and unless you signed or otherwise gave agreement to company to use your credit card the bank will reverse the charges off your card.
911050
1) Create a budget. This will be the first step towards getting back on your feet.\nhttp://financialbasics.blogspot.com/2006/11/creating-budget.html\n\n2) Understand your credit situation. Credit is a numbers game. The more you understand it, the better you will be at managing it.\nhttp://financialbasics.blogspot.com/2006/11/credit-reports-and-credit-reporting.html\n\n3) Adopt a more frugal lifestyle. Spend less money. Kick those costly addictions (the budget will come in handy at this point)