Hi, i have a really bad credit report, can i get it improved?

hi i have got my credit report from two companies and they re really bad, can anyone help on how i can get this better so i can get back on top?

Hi, i have a really bad credit report, can i get it improved?

You need to pay off your debt and begin to pay as you go to keep out of further debt.

Hi, i have a really bad credit report, can i get it improved?

Go to the website below. We have been following Dave%26#039;s plan for years. It really is magnificently simple %26amp; successful. No stupid %26quot;fix-your-credit-in-10-days%26quot; b.s. either!

Hi, i have a really bad credit report, can i get it improved?

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-cons...

if it helps kindly remember me in your voting!.. cheers!

Hi, i have a really bad credit report, can i get it improved?

yes....pay ur bills on time so that your credit score become good

Hi, i have a really bad credit report, can i get it improved?

This is how your score breaks down:

35%- payment history

30%- total debt outstanding

15%- length of time you%26#039;ve had credit

10%- types of credit

10%- inquiries and new credit

Now how you can help yourself is to:

1. Get added as an authorized user. If you have a close friend or family member that has excellent credit, see if they%26#039;ll add you on their account. You don%26#039;t need a card, for this is just for reporting purposes only. If you%26#039;re able to be added, make sure that the credit card company reports that account on your credit.

2. Get a secured card. This is the easiest credit card that you can get, without having a credit check. These may be offered where you do your banking or at Bank of America %26amp; Wells Fargo, for starters. You would have to put up a deposit upfront to secure the same amount in a line of credit, but the deposit would collect interest while you%26#039;re proving your credit worthy. If possible, to increase the limit by adding to the deposit every 2 months or so, by doing that once the card does become unsecured, you%26#039;ll keep that credit line and will have gotten the deposit back with interest. It looks good on a report when you have a high limit because it looks like you%26#039;re trustworthy with a high limit. The key is to spend a small amount that can be paid off in full on time, every month. After a year of perfect payment history, the card should become unsecured.

3.The monthly bills that you do have that you%26#039;re paying regularly on like cell phone, car payment, etc. can be repoted to an agency called PRBC for positive credit. This is perfect if you%26#039;re just starting out becuase certain things that you pay every month, may not show up on a report. Any payment that you pay can be reported in a scored report that can be used along with your credit reports. There%26#039;s a lot that%26#039;s covered in the website below, be sure to check it out.

4. Try to see if you can come to a settlement with the accounts that are in collections. Based on how old they are you can try to settle for what%26#039;s called a %26quot;payment for deletion%26quot;, meaning that the collection agency will delete the account from your report after you pay a certain amount. Now before you get any terms or give any information to pay, make sure that you get it in writing from them on something with their company letterhead and send a cashiers check. Remember the 2 areas that are affecting your score the most, have to deal with these accounts that are in collections.

Hi, i have a really bad credit report, can i get it improved?

those links they posted are crap... so dont bother with third party companies who claim to %26#039;do it for you%26#039;.

you sure can. but like you did, you need to start with a copy from each of the three major credit reporting agencies:

by law, you are entitled to one free copy,per agency, per year.

Equifax

P.O. Box 740241

Atlanta, GA 30374

www.equifax.com

1-800-685-1111

_______________

Experian

P.O. Box 19719

Irvine, CA 92623

www.experian.com

1-888-397-3742

_______________

TransUnion

P.O. Box 2000

Chester, PA 19022

www.transunion.com

1-800-916-8800

then go here; it will answer many questions, give you step by step instructions what to do, and has sample form letters to send to those 3 major credit agencies.

CREDIT REPORT INFO / REPAIRS

http://www.bankrate.com/brm/news/forms/c...

http://www.bankrate.com/brm/news/bankrup...

http://www.bankrate.com/brm/news/forms/c...

MORE FINANCIAL INFO

http://bankrate.com/

Hi, i have a really bad credit report, can i get it improved?

Improving Your Bad Credit Report: If you have a bad credit record, check the reason for this report. If the reason is due to late or non-payment on your behalf then, start making the payments to the lender and clear off the debts quickly. Dont make late payments. If you are not in a position to pay due to shortage of money then limit your spending.