How can I fix delinquent credit?

Answer 1

The best thing you can do is pay off all the delinquent accounts on your credit report, and continue to pay your bills on time, every month. Don't fall for ads that say they can fix or repair your credit - they are scams. The only way I know to legitimately fix or repair your credit is to pay off the delinquent accounts on your credit report, and don't acquire any new delinquencies. You can also dispute delinquencies on your credit report. If you do, it is up to the credit bureau to prove that a delinquent account is actually yours. If they can't prove that within a certain amount of time, (usually within 30 days of receiving the dispute), it is my understanding that they have to remove the delinquent item from your credit report. Good luck to you.

Answer 2

How To Fix Delinquent Credit

Answer 3

This Site Might Help You.

RE:
How can I fix delinquent credit?

Answer 4

depends on how delinquent the account is? is it in collections or is this something you know you've needed to pay off for awhile but never got around to doing so? if it's in collection then you'll need to pay it off ASAP. if it is an acount that's been open for the past 7 years and they've given up on trying to collect from you, then leave it alone. reason why is that it's dead credit. that account that's been dormant for however long and no longer being collected is a sleeping giant. If you decide to pay off that amount, having good intentions to paying off old debt, it will reactivate the status of that account. if it's paid off, reactivating that account will also bring the 6-7 years of bad credit it had along with it. So, in essence, you'll actually drop your credit score by paying off that old debt. best way to handle stuff like that is leave it alone, count your blessings you didn't have to pay it and forget about it. if it's current like within a year or so or in collections, then you'll need to pay it off asap to help clear up your report and score.

Answer 5

You need to check out this video on how to increase your credit score by using a 100% legal loophole. Here is the video URL: http://www.creditscoresecret.org

I was able to get to 595 from 489 in just one day and from 489 to 748 in just a few week; that's pretty fast in my book. Good luck!

Answer 6

Start paying on time, no seriously. If you can, get a credit card. Charge a SMALL AMOUnt, like $20 to it every month. Pay ON TIME every month. This will help you create, slowly but surely, good credit.

Answer 7

Ummm, first try paying off your bills?
Then you must establish a good credit line. This will be difficult at first, but if you can, pay all of your bills on time. Try taking out a loan if you can, and then paying it off as quickly as possible.

Answer 8

I would suggest going to the site I've listed and start reading.

It is a "free" do it yourself credit repair site.

Do not pay anyone for information to repair your credit when you can find everything for free.