who can help me fix my credit?

Question

without charging an arm and a leg!!

Answer 1

If you need moral support, or tips on how to painlessly save money, there plenty of sites that can help you. This one is my favorite [1]. They have tons of great information, and message boards with thousands of helpful people who have been in your shoes.

If you're looking for a quick fix, I'm afraid there is none. It all comes down to paying your bills on time and keeping your debts in check. Too many open loans, using more than half of your credit lines, and judgments or collections can all have a big impact on your score. So here's the plan:

Step 1: Check your credit reports. Americans are entitled to one free report per year from each of the three major credit bureaus by going here [2].
Step 2: Fix the mistakes. If there's anything inaccurate on the reports, dispute it. The bureaus have to investigate, and if they can't prove it's right, they have to wipe it from your report. Beware, though, knowingly disputing correct information is illegal.
Step 2b: If you have any outstanding collections, get them paid. A paid collection has far less impact on your credit than an unpaid one.
Step 3: Figure out what you're spending. Keep a log of what you spend for a week or so. Every penny, where it goes, and what you bought. From there, see where you can cut back and direct more money toward your debts. If you're spending more than you're bringing in, you can't make headway.
Step 4: Stop charging. If you have any outstanding credit card debt, dispatch with the credit cards. Lock them up, melt them, freeze them in a block of ice, whatever keeps temptation at bay.
Step 5: Write up a spending plan. Start by allocating a certain amount toward your debts and toward building up an emergency savings fund. At the very least, make sure you're making the minimum payments on your debts. Any extra, even $10 per month, will speed your progress. Allocate the rest to your needs and wants. Too many times, people spend whatever they want, and save whatever's left. But generally, nothing's left. Committing to a specific savings and debt payment amount sidesteps this problem.
Step 6: Pay off your debts. Whatever you're putting toward your debts beyond the minimum payments, put that toward the highest-rate debt. Once that's paid off, start on the next highest-rate debt. Or you could start with the smallest card, since that provides the psychological boost of a quick victory.
Step 7: Stick to it. This part's hard, because there are plenty of people out there trying to get their hands on your money. But keep your goals in mind and stick to the plan.

Your credit is based on making payments on time and not racking up huge amounts of debt. It all boils down to paying your debts on time every month. Eventually the bad records will fall off, and you'll have a great credit record. There are plenty of services out there that will charge you for this exact same information. Some, however, will encourage you to change your Social Security Number or dispute everything on your report, good, bad, and indifferent. These places are a ripoff at best, and criminal at worst.

Answer 2

You don't need anyone. I raised my score 103 points in 12 months all by myself.

You need to sit down and look at your debt. Where do you owe the most money and who is costing you the most in interest? Pay off those debts first and with the biggest payments you can. You want to chop down the amount of money you are paying interest on as fast as you can. Close cards that you do not need which in my opinion is all but one for emergencies. People should not live above their means. It is a hard lesson to learn. Any cards that you insist on keeping or want to keep open until they are paid off call and lower the credit limit. Even when they are paid off you should lower the credit limits because lenders look at how much credit is available to you as well as how much you owe. Just work hard to pay off debts and close accounts you don't need and you'll be fine. :)

Email me if you need more advice on this.

Answer 3

well you can do it for free just get your 3 major credit reports and start from there dispute any discrepencies and them start paying of everything that showing negative little by little this will improve your score tremendously b/c you have steady payments also if you have any serious delinquincies just let time go by without apply for any credit and still making ontime monthly payments

Answer 4

This website below offers you helpful tips to get you out of of debt. They dont charge an arm or leg either. They have everything you need to get out of debt. Good luck :>)

Answer 5

FIND YOURSELF A COMPUTER WHIZ THEY ARE ALL AROUND YOU!!!