It’s a pretty easy process…. but it takes a long time. You have to be patient. I would consider cutting up most of your credit cards and then adding everything up and decide which one to pay off first. Then when you’re done with that one, say you paid $50/mo, add it to the next one. So if you were pay $50 on the next one, you would now be paying $100/mo.

And you probably heard wrong about not paying credit cards. You should pay them, but if you haven’t paid them and you are close to the statute of limitations for your state then do not pay. When you reach the SoL you legally do not owe that money any more.

Also, as far as your credit score it will take a while to go up. Even though credit companies are suppose to report every month, sometimes they don’t. or they only report the bad, not the good.

And your credit score is a calculated formula, so if after you pay off most of your debt, but still have many cards open & with balances, your credit (FICO) score may still remain high until your debt to income ratio goes down. So, if your income goes up, your credit score can also have the ability to go up.

I agree with the previous poster….. do not pay for someone to give you advice. If anything go to your local CCCS.

Good luck!
email me: vetsmom_rgv
i can help 4 free

To raise your credit score you need to do two things:

1 – add positive things to your credit records. Such as paying your bills on time!

2 – Remove negative things from your records. These may be mistakes made by the credit report companies or bills you haven’t paid!

If your problems aren’t too bad or too complicated than you can do this yourself. This review site gives you e-books to explain the process and guide you through it:

if your problem is complex – or you just don’t have the time or patience to do it yourself then you will want to use a credit repair company. This review site will guide you to the three best companies to use:

Good Luck!