i am 23 years old and i once had good credit and messed up when i was 18 with credit cards hospital bills and elictric bills what do i do or who can give good advise becase i want to look for a house or something becase this can be dippressing.also can credit soulutions help or are they bad and can they hurt your creidit..
2006-11-01 13:00:39 · 2 answers · asked by markpaden2006 1 in Business & Finance ➔ Credit
Did you let your cards charge off? if you let them charge off then you got an R9 on your credit. if you made a settlement with the company, then you got an R5. if you made the payments but still carry a balance, just find out what th minimum payment is per month, get that in before your cycle date, and you'll be fine. ask if the credit card company has a hardships department. and if so ask them to transfer your account there. if you did get an R9 on your rating, it takes 7 years to get your credit back to normal, but if it happened when you were 18 then you're almost there. hope this helps. if you have anymore questions, find me and i should be able to help you out.
2006-11-01 13:11:28 · answer #1 · answered by Starry Eyes 5 · 0⤊ 0⤋
Try this http://www.expert-credit-advice.com/credit_repair_service.htm
And This: http://www.expert-credit-advice.com/building_credit.htm
And This: http://www.expert-credit-advice.com/free_credit_repair.htm
2006-11-01 21:45:15 · answer #2 · answered by Anonymous · 0⤊ 0⤋