rockman1091953
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You don't fix bad credit, you re-establish good credit. |
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becca9892003
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you need to re-establish new good credit..go to like orchard bank.com..they are a credit repair credit card...use this wisely untill your score starts to improve or even go to the bank you deal with and ask them for a 1000 loan..just something small to start off with..you cant rasie your score with having postive accounts for your score to grow on..but remeber it takes 6 months and 1 day for the payment history to effect your score...great work on being responsible and taking control of your credit... |
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John T
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Maintain prompt payment schedule, and don't overextend yourself.
Make sure that there are no surprises on your Credit Card Report. |
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mrsdeli
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You need to establish good credit. Get a secured credit card. That is a credit card that you deposit any amount in the "bank". Use the card for minimal purchases and pay the entire bill on time each month. After about 12 months you will establish better credit. Another good way is to get a credit card for your local gas station. |
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Delaina77
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Get a copy of all 3 of your credit reports and see if there are any negative trade lines that could be worked on. Check out some do it yourself credit repair sites if you're not sure what you're looking for, but any collection (paid or not) can hurt your score.
Then work on establishing new credit. You may want to start with a secured card if you are rebuilding. |
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hnm
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waoh! you are a rarerity in good old usa!. i recommend dave ramsey's 7 baby steps. u are already at step 3 and u can set yourself up real good. these steps are very simple and very practicle
http://www.daveramsey.com/etc/cms/baby_steps_2867.htmlc
good luck! |
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Staci
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Pay your household bills, rent on time. Do not be late, if at possible pay early. Assuming u have a mortgage or car payment that will be a good start to build your rating. It takes time.
If you do not have any active credit cards or can't get one then seek a secure credit card. Be very careful cause the fees they charge to hold the card is outrageous! So if you don't need them, stay away. Time you will be offered one.
Ck yearly your credit report which is free from all 3 credit Bureaus. Fix immediately any errors which is a pain but worth the effort.
Learn by the past mistakes, don't repeat them. Learn to save , have emergency fund, and contribute to retirement account. There are no quick fixes, just good decisions and learning to pay with cash vs credit. |
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countryguyhfc
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Fixing bad credit is not easy nor done quickly. But you have already done the hardest and most important part, in getting rid of your credit card debt. Now you have to make sure that you stay on top of your finances and don't pay any bills late, don't bounce any checks. If you are not saving in a 401K or IRA do so! If you can afford to buy a house instead of renting, do that, one of the best investments you can make. |
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straighthealth17
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Time will fix your bad credit. The most important thing you can do is to not make the same mistakes you've made in the past. You don't need to rip and cancel all your credit cards but don't keep them with you. Put them in your desk incase you need funds for an emergency. Congrats on paying all yoiur debt off!!
The Guide to Credit Cards - http://straightfinances.com/pages/guides/credit_card.html |
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Ask M
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see who you can sue back
www.creditinfocenter.com |
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phoenixlstilwell
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Find out by visiting:
www.phoenix-mkt.com |
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