I have horrible credit and I want to fix it within the next year. Also, can I have what is "charged off" removed from my credit report?
2006-10-09 07:44:13 · 7 answers · asked by ? 2 in Business & Finance ➔ Credit
You have to pay your bills on time and pay all your outstanding debts. It is not an easy thing to do if you owe alot! But all your money needs to go toward your bills. then once they are payed and it shows on your credit report that it is payed you can contact the companies and ask them to remove it from your credit report. Good Luck!
2006-10-09 07:49:23 · answer #1 · answered by Jen 3 · 1⤊ 0⤋
Fixing bad credit is not as simple as it sounds. If your town is anything like mine you see the signs at all the corners that say "get rid of your bad credit legally". Usually they want 500.00 or something in that price range. What they don't tell you is that there is no guarantees when it comes to ridding yourself of bad credit. If you ever used a lawyer to get out of a traffic ticket it is kinda like that. The lawyer will keep rescheduling the case in hopes the cop won't show so that he or she may get the case dropped. The credit companies work in A similar way. You can submit A dispute form and if the original creditor does not reply with-en 30 days it can be dropped from the report. As far as having charge-offs removed from the report your best bet is to contact the original creditor and see if they won't settle for a lesser amount. In this case your report will read paid charge-off so that new creditors will see you were serious about your past unpaid obligations. After that try opening up new accounts or secured credit cards and build new good credit, this will take a while and the high interest you will pay sucks but nothing com paired to high interest and payments on a home or auto loan in the future.
2006-10-09 15:03:40 · answer #2 · answered by Anonymous · 0⤊ 0⤋
A person only have 24 hours a day and it is almost impossible for one to work two or three jobs. There's a price to pay. You either burn yourself out, get ill or neglect your family members.
There's also a limit to how much you can save. The Oprah show's about saving money by eating at home can be quite meaningless to many. There's only so much one can save.
What's the best alternative? Get a better job that pays higher. How do you do that? You need to get a resume that's really powerful...and one that can get your to places. Not any jobs but jobs with Fortune 100 companies.
Try to find a Professional Resume Provider that offers a 200% Money Back Guarantee and one that guarantees job interviews. There's just too many providers out there that don't always deliver what they promise.
100% Money Back Guarantee is just nonsense because if the Resume Service provider is not doing a good job, they should not be paid in the first place.
2006-10-09 14:52:46 · answer #3 · answered by Anonymous · 0⤊ 1⤋
Step-by-Step Credit Repair Guide
http://www.debt-loan-refinance-mortgage-credit.com/category/Step-by-Step-Credit-Repair-Guide.html
2006-10-10 08:21:10 · answer #4 · answered by sing i 2 · 0⤊ 0⤋
Look up Trinity credit services. com and ask for Leana. She's good and has helped out a lot of my clients. They can fix up all your credit problems.
2006-10-09 16:11:41 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Work on it now. do not use any credit cards right now just work on getting them paid off. Talk to a consolidation firm they can help lump all money owed in one payment. Temporarily get another job and work hard. Take any extra money and apply it toward your debt.
Don't get rid of cards yet. Work on getting them clean.
2006-10-09 15:24:20 · answer #6 · answered by Nevada Pokerqueen 6 · 0⤊ 0⤋
call the company your accnt was charged off and finish making the paymnt , next close as many accnts as possible keep one credit card and make sure you make all paymnts on time ..
2006-10-09 14:55:56 · answer #7 · answered by jack jack 7 · 0⤊ 0⤋