Tuesday, May 25th, 2010

how does a person repair his or her credit, without going thru any angency?

repair credit history
Alexia B asked:


i would like to repair my own credit history but dont know how? i also would like to get a home loan? any help in either case would be greatly appreciated

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This entry was posted on Tuesday, May 25th, 2010 at 12:00 am and is filed under Credit Repair. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

6 Responses to “how does a person repair his or her credit, without going thru any angency?”

portishead_22 Says:
May 25th, 2010 at 8:33 pm

make all of your credit card payments, cell phone payments, car payments, etc. have three major name credit cards with as high limits as you can have and keep them open for 3 years or longer. Once all of your credit accounts are paid more than half off and no late payments within 1 year, then your credit will gradually get better.

changa Says:
May 28th, 2010 at 10:09 pm

You should try to go through freecreditreport.com and pull your credit to see what you have. When you do that, it will register you for one of the credit agencies or all 3 if you choose. You will have to pay a monthly fee to monitor your credit, but it will be worth it. I only paid like 12 bucks a month. Once you get to that website of credit bureau, experian etc. you can dispute anything on your credit online and they will do the rest. If you need to pay some things off, do that in whatever amounts you can and every month your credit score will be updated and you can see the difference it makes month to month.

My credit was real bad, under 500 and I couldn’t even get a credit card to use to show that I can clean my credit up. I was able to get a qvc and hsn (home shopping websites) credit card with only $200 credit limit and I would only charge cheap stuff and pay it off and I would get email updates when my credit score changed. I kept the credit cards for 6 months and closed them. I monitored my credit for only about a year and watched my score go the the mid 600′s.

Sorry for the long story but if you can, try that out and see how it works… even a couple months couldn’t hurt.

brr cold Says:
May 29th, 2010 at 11:10 pm

pay all your debts, it takes time. I had really good credit until I became unemployed for two years & it went in the toilet. I paid all my previous debts and kept only one card (famous barr), it took three year but I did it. now my credit score is higher than my wifes and she has always paid every thing on time. I also do not carry a ballance more than two months on any card any more.

babo1dm Says:
May 31st, 2010 at 5:26 am

1st if you have a Credit Report that shows delinquent accounts over 5years ,don’t open a Pandora box by try to make contact..this will cause the accounts to go back to 1year start again after 7years your delinquent accounts are closed..called at lost to the loaner…pay anything that is under 5years old…but make sure you can do this

Bruce C Says:
June 2nd, 2010 at 4:21 am

Surprise Surprise :-) The first step is to pay everything on time.

But being in the mortgage industry I can attest to the fact that there are many many mistakes on credit reports, and you have an absolute right to dispute them.

First, you need to know what is on your report.
Second, you need to know how to deal with the bureaus.

Go here and you’ll be able to get real estate loan information, free credit report, and a free credit repair manual.

Best of luck
rentownsolutions.com/creditrepair.html

Sgt Big Red Says:
June 5th, 2010 at 1:16 am

This is something you can do for only the cost of postage and some time writing. There are too many things to include in this short amount of space.

I recomment you go to the following web sites to find the answers to your question. These are FTC sites and are not those that make offers to help you for a fee.

U.S. Financial Literacy and Education Commission

Information on time barred debts.

Download a pdf file regarding how to dispute with CRA’s

Building a better credit report.

What you need to know about your credit.

Credit and your consumer rights.

All about FICO scoring.

I invite you to join the following Yahoo group “DontGetRippedOff” dedicated to helping those in financial trouble, Here you will find information to help you with debt collection agencies.

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