How Do I get good credit...?

Question

I have bad credit.... mostly from overdue bills or past due bills. How do I straighten that all out without using one of those credit counseling places? Any help would be great.

Answer 1

If you are now up do date on your payments, and it has been awhile since you became up to date, you can always try a goodwill letter to the creditors. Tell them that you have worked hard to become current, it has been x number of years, can they please list the accounts on your reports as never late.

If you are still behind on the bills or the accounts have been charged off, thats a whole nother ball game.

I would suggest going to the site that I've listed. It is a "free" do it yourself credit repair site.

There is no sense paying for anything or anyone to do what you can do yourself. Especially since alot of those credit counseling places will leave you worse off than you are now.

Answer 2

The same way I fixed my badddddddd credit report, with TIME ! Talk about a long history of late payments , no payments, I had it . The begining has to be with, don't add anymore to the report. Pay off any creditors that were unpaid, The bad history will start when the creditor files against you and will stay on your report for approximately 7 years. After the 7 years have passed, get a report and look over everything that dates back more than 7 years, note it down, then write to the credit company and ask them why it is still on there. Be sure and have all your info and dates on hand. As of this writing , I have an excellent credit score of 786.

Answer 3

For Finance and credit solutions I recommend this site where you can find all the solutions. http://finance-solution.us/index.html?src=yHY62RlcMGq

RE :How Do I get good credit...?
I have bad credit.... mostly from overdue bills or past due bills. How do I straighten that all out without using one of those credit counseling places? Any help would be great.
Follow 13 answers

Answer 4

Open low interest accounts, like low amount credit cards or low amount loans. Simply pay the amount on the loan promtly each month and eat the interest as a fee to build up credit or (easier) use the credit card each month for only things that you would have spent normaly like gas, or to eat out, say twice a month. Then, once again pay promtly and eat the interest. the key is to find the lowest interest rates and not to try to build credit by getting cards or loans on something that you wouldn't ordinarily spend cash on, like don't get a best buy card and buy a 60" HD plasma then expect that to help you crawl out of credit.

Answer 5

You can get a free copy of your credit report from someone like experian and then just pay off the things that you owe, or if you owe a lot, you may need to get help to consolidate your debt into one payment. Either way, getting information is the first step and your credit score will go up quite quickly once you begin making changes.

Answer 6

Start my paying off your lowest bills first and work up to getting them all paid. And iif you can't afford the bills you have now get rid of the ones that you don't need untill you ketch everything up. Like cable tv, cell phone, internet, etc. Whatever you do don't try to apply for a bunch of things. Your credit shows everything that you have tried to get.

Answer 7

i found alot of times if you just call and talk to the people they will work with you.. sometimes take off late payments and also if you have credit card bills that are late if you will close the accts they will minus the late fee's and stuff and just make you pay the FULL amt as to which you charged.

Answer 8

The most important point is pay bills on time. Don't open too many accounts.

Answer 9

Start paying off as much as you can to lower the amounts. Don't spend more then you make.

Answer 10

TRY SENDIN PAYMENTS TO ALL THE THINGS U OWE MONEY TOO AND TRY AND KEEP THEM UP TO DATE. JUST PAY THEM OFF LITTLE BY LITTLE AND DON'T SLIP UP! DON'T TRY AND MAKE IT WORSE BY PUTTING MORE ON CREDIT CARDS AND STUFF BUT AFTER U PAY IT ALL OFF THEN TRY BUILDIN UR CREDIT BACK! THAT'S WHAT I DID!