I am trying to clean up my credit. am I doing the right thing?

Question

I have graduated from college and racked up bills judt to get me out of school (e.i. bought a computer,used creadit cards to buy books) and know i have a job and the credit hounds are looking for me so know i have to take out a loan to pay them back and also trying to clean up my credit while pay my student loans. with all of that said am i doing the right that and will this clean up my bad credit or do i need to do something else????

Answer 1

Bad Credit Repair Solving The Problem
By: Alexis Dey

Stay with it...you'll get it done! Keep reading and learning...

Answer 2

I found a solution that worked for me. It might work for you too.

I had some pretty serious credit problems…some were not my fault and, I guess, a few were. I listened to the so-called “experts” who said they could fix my credit report and I spent money I didn’t have. I didn’t have any luck trying to get my credit report fixed.

I remember paying for the services that these Credit Repair Companies had to offer. The companies told me that they could have negative items removed from my credit reports without any problem, Yeah, right. This did not happen at all. Most of the companies wanted to charge me a set up fee anywhere from $39 to $299 for their services. Not only did they charge this set up fee, most of them also wanted to charge me from $29 to $49 monthly while they “attempted” to repair my credit report. These companies offered no guarantee that their services would actually work and, believe me, they didn’t.

I was about ready to give up when I found a lady who had been through the same thing and who had found a solution. She figured out how get all the negative items removed from her credit report within 3 months without paying anyone a penny. She developed a fast, easy, step-by-step process that she guarantees will work for everyone. She sells the complete plan with all the help and instructions for $47.00.

I know what you are thinking…”another $47 down the drain,” and that’s kind of what I was thinking too. But, I figured that since she offers a 100% money back guarantee I had nothing to lose.

Well, I tried it and it was amazing. I got all of the negative items removed from my credit report and my credit score went from 553 to 715 in only 3 months. All I can say is that it worked great for me. I suggest you check it out. You can always get your money back if it doesn’t work for you. If it works even half as well for you as it did for me you will never even think about asking for a refund.

The information is on this site: http://clean-credit-secrets.com/

Answer 3

You definitely want to pay off your bills, perhaps you can get a 0% balance transfer from a credit card. Having debt with a credit card isn't necessarily bad as long as you make the payments, it better for your credit to do that than to not pay your bills.

Answer 4

youre way to young to be confined to credit problems. you will be doing the right thing by paying it off and not charging anything else, this will clear your name and it may take a couple of years but eventually you will be on your feet. bad credit is as bad as having a felony conviction your record they do frown on it. do the right thing and do what youre doing. and good luck to you.