lindsay g
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get your free annual credit report and annualcreditreport.com . it gives you free access to all three.. then go through everyone and call anything that is in bad standing, or was bad but is resolved, then as to speak to the superviser and ask them to remove it from your credit report. Since you finalized and paid it off, they usually will be happy to remove it from your report. It takes forever but its worth it. Otherwise, you can call one of those Debt Cleaning companies who dothat for you. |
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intelligent80000
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pay your bills on time. apply for a store credit card and pay it on time. |
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greendonkey34
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Get soimeone to co sign on a small item such as a new computer or some furniture.Then pay it off and get a cell phone.Or a credit card. |
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mark
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The only way to do this is over time. You need to have 2 or 3 lines of credit where you are meticulous in making payments for a few years. This could include credit cards, car loans, personal loans, mortgages....etc. Don't overdue it either. If you have too many active credit cards that can work against you.
Keep up with your credit score by getting copies of your credit report each year too. If there are any credit problems that are unrelated to you specifically (i.e. Your ex spouse was the problem), then calling the your creditors can sometimes help in removing some of your bad credit.
Good Luck |
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queen i
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How to Improve Your Credit Rating After Bankruptcy: Bad credit and bankruptcy are the two most dreaded words in the financial world. These two things can greatly impact your financial situation. But what you are not aware of is the fact that you can improve your credit rating after bankruptcy. Your credit rating and bankruptcy |
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Bob
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Many Home loan companies will Loan you money on a house after a year of good credit but the interest rate will be higher than most.
Is home ownership that big of a deal. Financial Security is a bigger deal.
Get 6 months of expenses in the bank. Start a regular retirement plan. There are so many other things to do before you worry about home ownership.
On another note - depending on where you live - there are some investors that will let you lease to own. Can be a good way for you - if home ownership is that important. |
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dreamingone39
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After my divorce my ex filed bankruptcy and everything came back on me.....
I got a copy of my credit report and gradually paid all off.....
you have to make sure the companies update your report they are quick to leave neg but some are slow to fix it to the positive...
you should call or write I did both and kept a copy of my letter and a record the time date and who I talked too
Then I went to a a local furniture store and talked to the finance dept and got a card with a 300.00 limit....I made sure it was paid on time every month
Capitol One also gave me a low limit card they work with credit that is not very good....
ALWAYS pay before due....it will increase your credit score......
Do not apply for a lot of credit cards it lowers your score |
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Rossem
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pay your bills on time. You can get a home loan without a credit score if you use a lender that manually underwrites. |
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$m¤¤v¥ £¤¢¤
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If you have a checking account, number one make sure that it's in good standing. Secondly, get a savings account. The easiest way to get a credit card is to get an secured one. How that works is that you have a savings account that you pretty much use to guarantee the amount of what you're borrowing. Some banks offer secured cards to help you get your credit started. Once you get that then you might want to try out this website: http://prbc.com/consumers
This is an agency that actually reports like the "big 3" credit bureaus. The difference is that it reports your payment history, more importantly. They use what's called a BPS (Bill Payment Score) which can be used in addition to your traditional credit reports. Also they offer a bill payment service in which you register with them, you You can have all of your payments sent out online as you would if you did it through your bank. It's $4.95 a month, but that's a small price to pay not only to have your good credit reported every month |
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eric v
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File bankruptcy and start over. |
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