Wahts the best way to repair your credit?
926547
Start by obtaining your credit report. Check for inaccuracies and dispute them if they are truly inaccurate. Pay down your accurate debt. Keep your accounts open, just pay down the debt to 30% or below the limit. For example if your card's limit is $100, only use $30 or less and pay it off, but keep the card active.
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.
989716
http://www.repair-your-credit.jims-info.com/
852120
The only thing that can repair your credit is time and current payments. If there is misinformation on your reports you can dispute it and see if the reporting agency will remove it.
22406
There is no quick fix to imrpove your credit. Dont fall for any scam that says it will improve your credit score in a matter of weeks. The only way for credit to improve is to be responsible over a long period of time.\n\nIf you have records on your file such as public records, bankruptcies, they will stay on your record for several years. The best way to improve your credit will be to make sure you pay your credit card bills, mortagage payments, loans, in full every month and on time.\n\nIf you can't obtain credit cards because of your credit try a secured card. This is where you place a deposit into a savings account in the lender's bank which is used as collateral in case you default. Usually the deposit size will be your credit limit size.
587640
I am in the business of helping people with credit and I can tell you the fastest, most effective way to do it. First, get the addresses for all 3 credit bureaus. They are Equifax, Experian and Empirica. Once you have their addresses, make copies of all documentation and send it to them. Explain everything to them in full detail. This is the most direct way to get it off your credit. All 3 bureaus must be contacted to guarantee the removal. If you want to go online through their website then you'll have to scan your receipts and do the same thing. Happy trails!
173995
you can repair your credit yourself.  The best way is to pay off creditors.  You can offer a settlement for half or less which in many cases they will accept.  Make sure you get every thing in writing before you send money and only pay them off if they delete the credit completely.  If they do not agree then don't pay them and tell them so.  You need at least a 550 credit rating to buy a car 700 or better to buy a house or a motorcycle.
123994
Loan consolidation is the KEY! But to do this I'd first research some of these credit-repair companies with a nationally certified rating service. Pick a well rated company and get busy. Also if you own any security instruments you can sell them for quick cash.
533065
most credit repair company's websites can do nothing that you can't do for yourself. they charge you to do simlpe thing that you can and should do for yourself.  as a rule they are scams or rip off artest
117557
try Consumer Credit Counseling Service of North America. It's a United Way program.
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.
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
1091396
You can greatly improve your credit, yes. There is already a good answer on here for this, and remember: STAY DISCIPLINED!!!\n\nYou can do it!
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!
463367
First off go online and get your credit report and start disputing the stuff on the report if the companies you owe dont reply with in 30 day saying you owe it will be removed from your credit report. This will help raise your score. Ive done this with my report rose it by 100 points.
1055269
There are definitely some things that you can do to improve your credit score. I tried to do this recently and came across this site, http://www.webcredithelp.com
217504
Pay your bills on time.  Other than that, it's just a matter of time to let all the bad stuff fall off your credit report.  It sucks, I know.