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Additional Details<... |
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AverageJoe | What is the best way to re-establish horrific credit? |
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Tom V
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First, make sure all the information on your credit report is accurate.
Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.
Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.
Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.
Repairing your credit and improving your credit score is a slow process that takes time. |
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allaboutme
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1. pull your credit report from experian, equifax, trans union
2. dispute all negative items even if they are yours
3. put a fraud alert on your credit file and claim that it was do 2
id theft
4. dispute all enquires
5. do not request any new credit
6. check your credit every Friday because items will start to come off
7. make the collection agencies prove to you that the debt is yours. the older the debt the harder to prove
7. go to the nearest bank and apply for a secure credit card of 500. it will report to all 3 agencies. make sure you pay on time every month. |
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Jack Frosty
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Pay your bills |
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bijan a
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Repair credit score
Your credit score is based mostly on:
1. Length of credit history
2. Payment history.
3. Ratio of credit used to available credit.
4. Number of credit inquiries you authorized.
If you cancel your card, you'll be hurting your credit ratio. (#3).
You want to deliberately keep your oldest credit card open, even if you never use it.
You want to always pay the minimums of each loan on time every month.
You want to keep your available credit high, but actually only have balances equalinig 25% or less.
You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.
You do these things and your credit score will quickly soar into the 700s.
--------------------------------------...
http://www.bestcreditrates.net |
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beauty s
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Get a copy of your credit report and see if everything on there is correct.. and if so make sure u pay your bills on time and never be late.. |
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Farbeyondriven
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I like this question im gonna get some answers off of you,Thanks boss. |
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Crazy Cat Lady >^..^<
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Time. |
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Heather H
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I had the same problem until I went to Lexington Law Office just google it. It actually works its not a gimmick. They raised my score 100 points by deletions, changes, and corrections. |
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iceman
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If you have bankruptcy, serious collections, foreclourse ect ect... only time can heal. 7 + years of proper credit management. |
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