I need to know how to make my credit score higher.?

Question

I don't have any credit cards. Every type of credit that I had has gone to collections and has been bought and sold for the past 7-9 years. I messed up my credit in college without the knowlege of credit. I had a baby and never had enough money to pay anything outside of my household bills. New bills would come up and I couldn't afford to pay them. I have a repo on my credit. I have many medical bills and student loans. Nothing has gone off my credit and I never made enough money to pay extra bills. I can't even afford cable. Collectors keep pulling my report without my permission adding to the amount of inquiries and my student loans are about to default. What do I do?

Answer 1

for more info you can go to www.ftc.gov/credit
if you haven't already get your credit reports from the consumer reporting agencies: www.equifax.com, www.transunion.com, and www. experian.com

look over all of them check for any inaccuracies or incomplete information, if there is you can send a letter to the agency the inaccuracy is on and dispute. The agency must investigate.

Consumer agencies must correct or delete inaccurate, incomplete, or unverified information.

You can also limit "prescreened" offers of credit and insurance you get based on info in your credit report.

Once you have checked your reports call the companies you owe find out what the minimum they will accept. DO NOT go into negotiations w/ them at that point they will try if it gets out of hand hang up. Look at your paychecks and figure what is the most you can pull out for your debt. Whether it be 10, 20, or 30 dollars for each pay period. If you can only take out 20 per month then do that. If the least they will accept is 40 dollars pay them every other month. 20 dollars from the first month and 20 from the next month. They may give you a consideration for even trying to pay. However, you still might get nasty letters about what you owe. Don't let them get to you. Do what you can w/o starving yourself.

If you have a bank account see how much it takes to open a savings account and have a bi-weekly deposit from your checking into the savings. That will help you save for emergencies.

I know it seems like the impossible but you'll have to have patience and persistance to get out the hole. Take it one step at a time. Its not going to be the next 2-3 yrs before your free, money is tight trust me I know how you feel. If it helps take a look at this book for your spare time "Rich Dad, Poor Dad" by Robert Kiyosaki. Its a pretty decent read and it will make you think about what more you can do to help yourself out.

Answer 2

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Answer 3

Do not default on your student loans....no matter what do not default...they will never go away...you income tax return will be taken to pay it back...every return will be taken until all are paid in full...it may take a year or two for them to start taking it...but prob not. Even if they drop from your report, they will hunt you down...it is an obligation to the government and they will get their money. .. also, I don't know of anywhere you can include student loans in bankruptcy...you can't in Florida. With all of these problems the last thing you need to worry about is your credit score...you don't need credit...it only becomes more debt...if you can't pay your bills now you won't be able to pay new debts either...living on credit to pay your regular bills is a short term solution at best...get in contact with the Consumer Credit Counseling Service in your area...they are non-profit and will make arrangements for you to make manageable sized payments on your bills...It might take a while to pay them off, but it's better than being haunted by the government for the rest of your days...also, if you are really in that deep, why don't you apply for food stamps and subsidized housing...how can you afford Internet and a computer...or are you using a friends? If you are working on your own computer and Internet...sell the computer cancel your service and use the money to pay your bills...deal with collections later...deal with the student loans now! Call them today and let them know what's up...they may be able to help by postponing payments or consolidating your loans with income sensitive repayments...just as it sounds...only what you can afford, but no less than 50 dollars a month.

Answer 4

From detailed information you set out it appears you have received a free credit report as mandated by federal law and paid to view your credit score. All the questions asked are answered in the documents received from the 3 major credit bureaus.

Answer 5

Get a copy of you report and go through it. There is a limit on how long things can stay on your report. Also dispute anything you can. Try getting a credit repair kit or book at your library it should give details and samples letters/emails.

As for a hardship deferment on your student loans.

Answer 6

well, you can write the three major credit companies, experian, equifax and trans union and dispute the accounts that are 7 years or older and they should take them off. A repo stays on for seven years. If you can't afford to make payments on the bills you owe, maybe you should try to file for bankruptcy. You still won't have credit for seven years, but it might be easier.

Answer 7

on my profile there is a link to a place that has text that says
"you will receive immediate online access to our Exclusive Bad Credit Lender List and Credit Repair Kit. "

Answer 8

I need to know how to make my credit score higher.?

T.R.Y
T.H.I.S.
S.I.T.E
W.H.E.R.E
Y.O.U
C.A.N
F.I.N.D
T.H.E
B.E.S.T
S.O.L.U.T.I.O.N
F.O.R
Y.O.U

Answer 9

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