2006-12-08 15:22:03 · 9 answers · asked by Just me 4 in Business & Finance ➔ Credit
Don't bother. Get a pre pay credit card from Money shop. £9.99 and load up as much as you like and use that. Credit is not good for you.
It is a way for rich businesses and shareholders to take a cut out of your money each time you buy things.Its sick that it caught on. Ridiculous really. Paying some middleman when you buy goods and services.
2006-12-08 15:43:34 · answer #1 · answered by Anonymous · 2⤊ 1⤋
The short answer is that you can't. There is no quick fix to repairing a poor credit rating. You didn't mess it up quickly and you can't repair it quickly. Pay your debts on time and keep credit card debt below 25% of your limit, if you have credit cards. If you still have collections or judgments try to work something out to pay them off. It will still take time, but you will be moving in the right direction. If there are things on your credit that are incorrect, you can dispute them. If they are valid debts they will not be removed for up to 7 years from the last activity.
2006-12-09 00:01:36 · answer #2 · answered by Flyby 6 · 0⤊ 0⤋
Become an authorized user on a friend or relatives credit card, but it must be someone who has good credit, preferably a long history of good credit. You wont use the card but just use their good credit to bring your credit scores up. In the meantime try cleaning up your own credit.
2006-12-09 01:03:47 · answer #3 · answered by luna42 2 · 0⤊ 0⤋
Write to every creditor thats on your credit report asking them for proof of your account, or try and dispute them all online. If they don't have proof of your account existing, then they have to delete that account off your credit report. Try pay all your bills on time and try to keep your limit down on credit cards. Repairing your credit takes time and discipline and that doesn't come over night. Check out this website for credit repair information.
2006-12-08 23:42:42 · answer #4 · answered by HOOD RAT 2 · 1⤊ 0⤋
Always pay on time is the thumb rule to avoid bad credit. Try a prepaid credit card might help
2006-12-09 05:12:18 · answer #5 · answered by Anonymous · 0⤊ 0⤋
1. Always pay on time or ahead of time.
2. maintain low balances on credit cards
3. keep your total potential debt to earnings load low - If you have a card with a $15000 credit line, you may ask them to reduce it to something more realistic, like $5000.
4. I was told by an underwriter that having just two cards, a major credit card (VISA, MC) and a consumer card (Sears, best buy, etc...) is the best mix for revolving credit.
5. You should have a recent history of both installment or term (Car or house loans) and revolving credit.
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http://www.bestcreditrates.net
2006-12-09 15:48:05 · answer #6 · answered by bijan816 2 · 0⤊ 0⤋
Get some help from websites,
http://credit-repaire.blogspot.com/
2006-12-08 23:47:10 · answer #7 · answered by kelly 1 · 0⤊ 0⤋
quickly..., dont open any more accounts.... pay off all your debt, charge less on your credit card than what you make, never max out your card.. thats probably the fastes way..
2006-12-08 23:30:00 · answer #8 · answered by Anonymous · 1⤊ 0⤋
MSN Money has excellent advice. Some of the suggestions for saving money has worked well for me.
2006-12-08 23:27:07 · answer #9 · answered by fashionablekel 1 · 0⤊ 0⤋