im 21 years old and im up to my eye balls in debt..abusing credit cards and school loans and got me stressed to the point where im suffering from tension headaches..and what makes it worst i feel ...
hi im 19 years old and have had credit cards for a little over a year now, i messed up big time with the payments because i had no job and ended up having all 4 of my cards sent to collection agencys,...
Please do not answer if you are debt-free. I want to hear from people who spend more than they make and carry big balances. How did you get into this position, and why don't you stop spending ...
okay i dont want to seem like a dumb blonde here but im just trying to figure out if i have this right. I dont have good credit, i got approved for a 9,000 loan on a used car with a 21% interest rate....
My husband got a letter in the mail saying he owed $400 to them. When he called to ask what for they said he had a jc penny card 20 yrs ago and that they just bought the company or the debt from the ...
He makes good money about 2 grand a month , but we just can't seam to get out of it. We been having this problem for about 5 months. We have tried to get loans from the bank , but get turned ...
Last month, my score was 662, but then it suddenly went down to 644. I haven't opened any new accounts, and i've actually been paying down my debt (on time) and not using my credit cards at ...
I dropped a class in my local community college and did not pay for the class. They called a credit agency that adversly affect my credit. How do I correct this? Additional Details I ...
Thanks to cridit cards, my monthly expenses are about $400.00 a month more then my income. Jan. 1st. I just spent the last of my savings... I dont know what else to do but go ...
meski h
How do i build my credit and get rid of the negative history on my credit report.?
To boost your credit score:
The first thing you will need to do is call the three major credit reporting agencies and request a free copy of your credit report.
Then once you get those in the mail (7-10 days) there will be a dispute form attached to the reports. Fill those out for every negative account on your report regardless. Fax, mail go online whatever it takes to get those submitted as quickly as possible. Then those companies must answer your dispute within 30 days or it is removed from your credit report completely. So that will eliminate some things, hopefully.
Then make sure you pay all your revolving accounts to below 50% of your credit limits.
Make sure that you make all your payments no more than 20 days from the date it is due.
Good Luck!
starfairy181
Go to the forum section of www.creditboards.com and READ READ READ
tryinthis2
law is that if your credit report has negative items that arent correct...........so if it has neg but was never paid late...if it has a wrong balance...etc then you dispute it with all 3 credit bureaus and the bureaus will write to the company to ask them to prove the validity of the bad debt. if they are not able to validate the debt (good or bad) then they must change the status to what you say it should be. if the debt is old then chances are it wont be validated because it's either not worth their time to search for old boxes of records and make copies and mail it or it's too old and they cant find the documents. Either way, the credit gets changed to what you say it should be.
Q
Pay your debt.
Pay your bills on time.
And never make a late payment again.
beauty s
get a copy of your credit report and then the ones that are negative dispute them.. Not all will be removed put it don't hurt to try..
josephvargo8517
I would apply for one or two credit cards and make on time monthly payments to help offset your bad credit history.
smile4cobra
Ok first things first. Check to see what the statute of limitations for credit reporting is in the state you live in. If it is past statute you can report it to all three major credit reporting bureaus and have them dropped off.
Also dispute anything that is not valid, correct or was not of your doings. If you have anything on there that you didnt do...file a police report and forward a copy to the creditors and bill collectors.
If they are not past statute and are valid...you need to get them paid. A credit institution will charge you money to do the same thing you can do.
Start by calling the collection agency try and cut deals to settle the accounts. Some agencies will take as low as 30% to settle. Others will request more. Very rare but some creditors will not accept a settlement at all. Try and make them to agree to delete from your credit report as well. Some agencies may require that you pay the entire balance for them to delete it. Others will agree to delete with the receipt of the settlement amount.
Get the deal in writing before you pay and than more on to the next one. One by one...next thing you know its done.
Thats how you get rid of old history and reportings.
As for building your credit. Start all over again and do not make the same mistakes.
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