Improving credit scores.?
959450
Like so3503 says, paying off the bills may sound logical...but it won't work.\n\nUnless the creditor agrees to delete the negative information from your credit report, it will still show that you had late payments, or collections.  Therefore, you could TRY to contact the creditor and see if they will agree IN WRITING to delete the entry if you agree to pay the bill.  \n\nDo you have a good job?  Did you consider just getting the loan in your name and not getting your boyfriend involved?  That will improve things.  but if you are depending on his income to pay the loan it may be a problem.  I'm surprises the mortgage company isn't working with you on that.\n\nThere are ways to increase your score, but it's going to take several months before you see an improvement.  And I'm not sure you could boost it the 100 points necessary to get the loan.\n\nVisit http://www.myfico.com and look at their educational section.  This is the company that developed the FICO scoring system, and they have lots if info on improving your score.  \n\nAnd shop around.  There are mortgage lenders who will work with you, but it may also cost you a couple points in interest.
681871
There is a national organization called Acorn. They have especial programs for low income or low credit score. There is one office in each State all over USA. \nI'm sure they can help you with that. Let me know what happen.
779546
The fastest way to re-establish your history is by paying your current obligations -- it may take 2-3 years of this behavior to improve your credit score.  And, you will need to take care of any judgements, etc.\n\nConsumer Credit Counseling/Debt Reduction/Settlement Offers will NOT improve your credit -- these are all noted in credit reports.  They may make it easier to pay off your debt, but creditors see this as not meeting your full obligation.  While your credit score is important, most lenders look at other variables within a credit report --- CCC is a red flag for many lenders.\n\nIf you truly cannot repay your debt, it is smarter to declare bankruptcy instead of going through the CCC route.  Most CCC customers deteriorate into bankruptcy, anyway.  These agencies make a tidy profit (although most claim they are 'non-profit') from upfront fees, customer payments and/or settlement offers --- they rarely act in the consumer's best interest.  One or two years after filing for bankruptcy, you'll get credit offers again (although not under the best terms), as they know you can't re-file for another 5 years or so.
3466
There is no way to improve your FICO score fast unless there are inaccuracies on your credit report. Those you can challenge and have removed. Otherwise, you must take the time required to show lenders that you are a good credit risk.
527342
Well, to be honest with you your best bet would be to put the money in the bank that you plan on paying the credit cards off with. Each month you can pay over the monthly limit, but make sure you make your payments on time. By just paying off your debt it's not going to really help your credit score. They want to see someone who has really established themselves and has a good reputation. You might be able to get a loan anyway, but I will advise it might not be the best nor the cheapest interest rate. These are definite things to keep in mind.\nIf you do these things it will help your credit score, and you will be building a good reputation for your credit. This will also cause your credit score to go up. Once you have established good credit again, you will be able to get the loan you want and deserve. Hey we all fall into some bad times. So you aren't a bad person!! Just get back up on your feet, and move on. Life throws us curves and sometimes we have to duck, sometimes we have to tread through! \nMy suggestion to you would be to go to the websites I have pasted below. It explains what is a credit score, how do I get my credit score up. \nGood Luck, I hope this helps!
435787
Be carefull with any credit repair agency.  Alot of times you will end up with a lower credit score when it is all finished. Just sleep with one eye open with all these companys.
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.
35279
Good Credit is like trust. It can be lost in a flash but takes a long time to build.  \n\nIf you have screwed up your credit - the only thing you really can  do is get everything back on track.  Every bill paid, and stop being late.  Then just keep on track for the rest of your life.  \n\nover the years your credit will recover and then start to become better and better.  The best thing for growing credit is time.  So keep all your oldest cards and pay them off but DON'T close them.  Keep them open because they are a record of how long you have had your credit.  If you remain in good standing with a credit card company that you opened say when you were 20 - and then you have it till your 40 - you will have 20 years worth of history with them - that is a good thing!! even if you don't use it all the time.   Just keep it open always.\nGood luck with it.
48916
You didn't really ask a question, but it seems to me that you would do well to establish a better credit score. The link below gives a lot of good information on how to do that.
1125032
A tough lesson from the School of Hard Knocks.\nHopefully, others will learn from your mistake.\nAlso know that the sooner you begin to make good payments on your credit lines and the longer you continue those good payments, the better your score gets.\nYou should get a copy of your credit bureau report and go through it with a fine tooth comb just to make sure there are no errors that may be costing your points on your score.\nIf you can improve your score even 10% that's good.\nAlso, if you had any bankruptcys 6 years ago, you just need to hold on one more year.  In most cases, they come off after 7 years.
644678
I know and used a Attorney, and all he ever did is helped people that have tarnished credit. He proved to me, he increased my credit score 100 points in 4 weeks. That is the first step, clean up your credit, then get a secured or unsecured loan.
1084346
For the most part, it doesn't matter what country you're in. The only thing that can improve your credit rating is time and better credit history. Make your payments on time. Make extra payments when possible. Call your creditors to see if they can help you by lowering your interest rates and refinancing loans for a lower cost. My husband and I had BAD credit, and this was the only thing that could help. If you file for a bankruptcy, that will be on your credit for several years and will look worse to possible creditors than the fact that you are trying to dig yourself out on your own. You made the mess, no you have to clean it up. I know it sucks, but it's true. Make sure you keep accurate records so that when you finally pay a bill off, you can contact the credit bureaus with that information and get the bad info off quickly. We did this and we were able to buy a home, a new car, and a motorcycle within a year and a half! Good luck!
587402
Ha ha that guy was funny!  Anyway..........I went on myfico.com and paid the $50 or so bucks to order all three credit reports.  It will show you what is on your reports.  Then it has an interactive area where it can give suggestions on how to improve your scores.  For example, it showed me that if I paid off one of my credit cards, it would raise my score 100 points.  I did and it worked.  I also found several discrepancies on my reports and the program generates a letter for you to each agency telling them what you want to dispute and most of the times they will just remove the item from your report, raising your scores.  After fixing several things on my reports, my scores jumped.  I bought a house the first time I applied for a loan, just after a year of working on my credit scores.  You also need to get references so make sure you are being a good renter!  A little prayer wouldn't hurt either.  Good luck and God Bless!
312043
Shelle-\n\nAs a victim of ID theft which lead to drastic measures, I have spent the past three years studying and rebuilding my credit.  here's what you can do:\n\nHave about 2-4 credit card accounts, but keep the total balances below 50%, no matter what.  This is a huge credit score booster.  Debt to credit ratio is a large percentage that makes up your credit score.  I can simply boost my score 50-70 points in one month with just keeping it below 50%.  If its over 50%, the bureau is merciless.\n\nIf you have credit cards but they are all paid off, or you currently do not make monthly credit card payments, this is not good either.  The "computers" that calculate your score cannot really calculate anything  except history unless you have a revolving balance.  Plus the longer credit history you have, the more it helps your score.  For example, I have several credit cards all that are paid off.  I just use them if I have to, but I always carry a small balance every month ($150) on a Victoria's secret credit card and just pay the minimum-KUST TO KEEP THE SCORE STABLE AND GOOD.  The "computers" then can factor in some sort of payment that is being made every month.  If you pay nothing, then the computers cannot calculate a "month payment factor" in your score.\n\nIf you don't have a credit card/good credit go to www.orchardbank.com.  This place is the most generous in granting and rebuilding credit.  After a while where you make payments, they'll boost your limit.  You may start with $500 limit, and a high APR, but that's okay, just keep the balance below 50%, and in 6 - 9 months, you really start to be looking good.  Department cards and gas cards are also good places to start  and are more flexible to poor credit.\n\nAs for your bills like utilities, phone, etc.  These will not help your credit because they are not reported UNLESS you don't pay.  So pay them so you don't get a delinquency, but otherwise they're useless to you score.\n\nRemember, people with bad credit pull their score an average of 10 times more than someone with good credit.  CREDIT BUREAUS KNOW THIS, WHICH IS WHY THEY LEAVE INACCURATE INFO ON YOUR REPORT.  Try to keep the inquires down, because that hurts your score too.  That's how they make money.  That's how banks get their money too.  So... I would pull my own credit report at www.myfico.com and check my score regularly.  PULLING YOUR OWN CREDIT DOES NOT HURT YOUR SCORE.  Then dispute the crap out of everything, even if its right.  Write a letter, DO NOT USE THE AUTOMATIC system they want you to.  If that doesn't work, try a law firm.  www.lexingtonlawfirm.com is a great place to dispute everything.  I have used them and iit works well without breaking the bank.  $75 initial to start and $35/mo.  They write the letters, you can access your info on their website and pick the things to dispute.  They know HOW to say it.  If you don't write certain things in your dispute letter, the bureaus by law can ignore it.\n\nOne other trick:  Go to a bank and tell them you want to buy a house and apply for a mortgage.  Let them know your credit is bad and you've been having trouble getting them to fix inaccuracies.  Mortgage companies have an "in" and can get your credit corrected with the smap of their fingers.  I know this because my wife did this for US BANK on a regular basis.\n\nIf you don't get approved with anything, then try getting a secured credit card until the score gets better.  Or have your friend or parents with good credit or credit cards just see if they would be willing to put your name on their card as an authorized user/co-borrower.  It doesn't mean you need one (if they're leary of your sepnding habits), you just need the action going on in your report.\n\nALSO, NEVER CLOSE ANY ACCOUNT.  This will REALLY hurt your score.  If you pay off an account and don't want it, just cut up the card and n
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
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
42721
Getting good credit is not an easy road. Whether you choose to get a Credit Card, A Store Revolving Credit Card, or even purchase a car, you've got to be very very disciplined. \nI suggest never purchasing anything with a credit card that you couldn't with your bank card. At the end of EVERY month, pay off the entire balance.\n\nDo not apply for many credit cards. Find the credit card with the best terms and interest rate, apply once, and watch it carefully. \n\nYou're Credit Score is determined by your credit limit, your credit/debt ratio, length of time of your credit history, payment history, credit inquiries, etc.\n\nI suggest checking your credit report for free. You can check it once per year per reporting agency. I suggest checking one agency every 4 months (=12 months). Checking your own credit report does not hurt your credit score. If you purchase a score with your report, usually they'll give you suggestions to improve your score.