i am looking for a web site that has good info on how to repair bad credit..any suggestions?

Question

i considered "eliminate bad credit for good on line sites" to my understanding they're scams...bankrupcy sounds like the last option and i'm not that bad in debt..less than 5000...i'm hesitant in contacting creditors and the "bureaus"..i'm not trying to put the cart before the horse but, if my credit score is let's say...544...how long ,realistically, would it take to have a decent credit score provided that i pay my debts???any help or suggestions would be greatly appreciated

Answer 1

Here are many options.

http://www.kron4.com/Global/story.asp?S=5398730

Choose one that is best for your situation.

Answer 2

Dave Ramsey has common sense approach that gives you a realistic plan for getting out of debt. He's on CBS in the morning every so often. You are wise in not contacting credit bureaus on something you can do yourself. (That's what Dave's plan does.) Without knowing how you got a low credit score its hard to say how long it will take to get your credit score up but usually it takes from 6 months to 2 years depending on the offense. 5000 compared to others isn't much compared to others , but debt is still a mean monster. Try not to go over 30 days late with anything. After 30 days late companies report to the credit bureaus especially credit card and loan companies. The one thing you do not want to go over 30 days is your mortgage payment. That's a biggie and hurts credit bad. Good Luck.
http://www.daveramsey.com

Answer 3

I am a real estate agent with a client with credit similar to your score. He started paying off everything last year and still thinks he needs some time in order to qualify for the best interest rates. As long as you do the right things, such as pay off on time, and do not close all your credit lines, just make sure that the amount extended is commensurate with your ability to pay- maybe a year or so should do it.

Answer 4

Stop the insanity!!
If you use a credit repair or CONsolidation comp. you will be treated as if you have filed bankruptcy. DO not.
Turn the IDOL GOD(TV) off, get 2 more jobs . PAy off you bills, cars , credit slave cards, studentloans. Save up money in your emergency funds not the cards banks.
Get out of I Love debt slavery mindset.
Visit DaveRAmsey.com to learn what the banks do not want you to know. Bankruptcy is no a real option unless you lost your backbone. Join the ' Millionaire Next Door'
mind set.

Answer 5

Step-by-Step Credit Repair Guide
http://www.debt-loan-refinance-mortgage-credit.com/category/Step-by-Step-Credit-Repair-Guide.html

Answer 6

It's possible to repair your credit history with some help. Contact these guys to find out how:
http://goaddr.com/8js
http://goaddr.com/8j5

Answer 7

activities having a guess grew to grow to be so familiar in North u . s . that with the help of the mid 1980’s businessmen from all walks of existence began shifting to Caribbean Islands to establish toll-unfastened telephone-in shops the place human beings could fund having a guess banks with mastercard and gets a commission with the help of making use of examine.

Answer 8

Check out Suze
http://www.suzeorman.com/

Answer 9

The link below is the company that generates the FICO score. They should know better than anyone.

Answer 10

http://www.creditinfocenter.com/repair/

http://www.debt-consolidation-credit-repair-service.com/forums/index.php

Yes, those places are scams - you can do the same thing they do by doing ALOT of research. It's time consuming and sometimes confusing, but it can be done - good luck.