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Bad Credit History Repair

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Janice Said:

What is the best credit cardfor a young person looking to repair bad credit?

We Answered:

?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-free.totalh.com

Alfred Said:

Best way to repair bad credit?

We Answered:

tax leins and discharged bankruptcy can not be wiped out by a "bad credit" repair company. What they do is scam you. They do the same thing that you could do if you didn't have the tax leins and discharged bankruptcy that takes a limited amount of time to come off automatically. 10 years for sure on the bankruptcy. tax leins may be longer. You do not have to pay back the discharged bankruptcy to get your credit back. It will happen in 10 years. But you can grow your credit back slowly as the 10 years go away. You do that by paying your bills on time and making sure you don't apply for to many loans in a short period of time. Also, try not to have more out going than incoming money's as far as the credit agencies can see. Make sure you pay your utilities on time also because they can also lower your score. I have no idea about the tax lein as far as paying them back to remove it.. Hopefully that isn't one of those that is on there forever... GOOD LUCK...

You can find more info here:

http://www.safelinked.info/jump.php?link=debt

Take care.

Deanna Said:

What is the best way to repair credit if you can't get any credit because of the bad history?

We Answered:

If you have bad credit and you still have debt - it is not going to go away. However said three years is wrong. Most information stay on for seven years and it is ongoing. Meaning as long as you owe money and you're not paying it it will keep being reported negatively.

The best way to repair your credit is to pay at least the minimum due each month. The more you pay the better. Once you pay long enough your credit score will rise though maybe slowly.

If you have major debts and have problems making any payments - then talk to a credit counselor and see if you can do some debt consolidation.

I went through a company called ByDesign - which worked great for me. I live in Los Angeles.

Check your local BBB for a rating of the credit consolidator. If any company demands a major amount of money up front to help you out (more than $100) don't even bother with them. They also should not charge you more than a very moderate monthly processing fee if any.

At no point should you ever and I mean ever agree not to pay on time so that they can make a deal with the credit card company. That will give you very negative credit ratings.

Always make sure to stay on top of the payments and make sure that the credit consolidating company is making the monthly payments on time.

Leah Said:

Someone help me repair a bad credit history. Is anyone out there?

We Answered:

You can't truly 'repair' a bad credit history. The best you can do is to make it history and therefore irrelevant. (This assumes that your credit history isn't bad because of errors, but truly because you messed it up).

The way to fix it is:
Be current on all accounts.
Make every payment on time every time. (this is the single most important aspect of a credit rating, the last 24 months payment history. Fix this for 2 years and watch your score soar)
Lower the amount you owe, preferably to less than half of available credit.

It's simple. (Note, not easy, there's a huge difference between simple and easy).

good luck!

Perry Said:

How to repair my Credit History?

We Answered:

No matter how bad your credit is, you can take steps that will make it better.

1. Pay all of your bills on time. Late payments (payments that are 30 days late or more) have a negative effect on your credit rating.

2. Reduce the number of credit cards you carry. Write to your creditors to request that they close your accounts and report this status change to all three credit-reporting agencies

3. Avoid bankruptcies, tax liens (a lien for not paying state or federal income taxes or property taxes) and collections. A bankruptcy stays on your credit report for up to 10 years. Collection accounts and paid tax liens stay on for seven years, and unpaid tax liens will haunt you forever.

4. Request in writing that your creditors reduce the credit limits on your accounts to lower your amount of available credit. The total amount of available credit is considered by lenders even if you owe nothing.

5. Ask a family member or friend to co-sign on a small loan or credit card to help you re-establish credit. Make your payments on time.

6. Get a secured credit card to help reestablish your credit. You will have to keep a designated amount of money in an account that will be sufficient to cover your charges. Make payments on time.

7. Get a yearly copy of your credit report to catch any errors (see 'eHow to Obtain a Copy of Your Credit Report').

When you have a friend or relative co-sign on a loan or credit card, remember that that person's credit will be affected by the payment history as well.
Credit-repair clinics and consumer credit agencies arrange repayment plans and restructure payments to fit your budget. But even if the creditor agrees to the plan, smaller payments and skipped payments can still be reported against you. Some credit-repair clinics charge up to $2,000 up front to get the paperwork started and cover administrative fees. Some CCAs are free. You can call the creditors yourself and make these same arrangements for free. Your Ad Here

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