2006-10-31 08:24:12 · 7 answers · asked by Putta Rat 2 in Business & Finance ➔ Credit
You should get help from a reputable credit counseling agency. Find one near you that has a satisfactory rating with the Better Business Bureau.
Many of them can help you develop strategies to improve your credit. If you have negative items or debt to deal with, they can help you with those also.
2006-10-31 08:30:48 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Well, it depends on what your extreme need is. If it is for a house, you could always try hard money lending, very expensive because of high interest rates. Otherwise, you can try to improve your credit by going to annualcreditreport.com and looking at your credit reports. Find out what is making your credit score so bad, and try and pay off some of the debts that are reflecting badly on your credit. That right there will boost your credit score. And make sure everything is being reported correctly........If it isn't dispute it..........And if you need help on dealing with creditors, visit the link below for the FTC
2006-10-31 17:01:06 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Go to http://www.myfico.com/ and find out why you have a poor credit score. They have a 30 day free trial.
Stay away from new credit cards until you fix the bad stuff. Don't pay someone to dispute your credit. You can do it yourself on the site. Dispute by fax myfico has a form on their site. If you have credit cards pay them down as much as you can, and make sure you pay everything on time and your score will get better every month.
Do get a credit card if you don't have any credit. You may need to get a pre-paid at first, just make sure you use one that reports to all three credit (experian, transunion,and equfax).
2006-10-31 16:37:10 · answer #3 · answered by Mel 4 · 0⤊ 0⤋
realistically and candidly?
Turn the Idol Gods off (tv).
Get off your back side. get a broom for a backbone. Get two more jobs work until you can't and do it some more.
pay off your bills smallest to largest so you can WIN. never sleep with slave cards or use them.
Save money for your future not the credit cards future. Change your mindset from poor person to broke then to getting wealthy.
visit DaveRamsey.com to learn what you haven't been taught yet. Why pay higher prices with Credit when cash costs less.
2006-10-31 20:02:59 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Well you can get your credit fixed or you can apply for another card and help build it from there, however you want to do it. Check out both sites.
2006-10-31 16:27:58 · answer #5 · answered by Anonymous · 0⤊ 1⤋
you need a plan to pay off your debt -- these people can help.
http://www.cccservices.com/home.asp
don't take bad advice like you need new cards, etc. new cards actually penalize you for 3 yrs -- you need to pay off your old debt and you credit score will spring back rapidly on its own.
2006-10-31 16:34:36 · answer #6 · answered by Anonymous · 0⤊ 1⤋
repair your credit:
Step-by-Step Credit Repair Guide
http://www.debt-loan-refinance-mortgage-credit.com/category/Step-by-Step-Credit-Repair-Guide.html
2006-11-01 06:25:22 · answer #7 · answered by sing i 2 · 0⤊ 0⤋