how do i repair my bad credit history?

Answer 1

pay your debts.
pay your collections.
pay your charge offs.
get current on your bills.
keep less than 50% balances vs high credit limit

let time go by

Answer 2

the best way to repair your credit is to get your hands on your credit report from all three bureaus and break down all the items and decide which you can afford to pay now. then, call the creditor and tell them that you are finally ready to pay BUT you want a letter on the creditor's letterhead that promises that once you bring the balance to zero, it will be DELETED from your credit file as if you NEVER had the account in the first place. you would be suprised at how this will work. in fact some credit card companies already do it as an incentive to get the outstanding debt paid off. It is important to know that credit repair takes time and persistence. it is not an overnight thing but it can be done.
what most people don't know about credit repair is that disputing items on your credit file that are TRUE is just as legal as pleading guilty to a crime you committed. it is your right. dispute the hell out of everything and if you can get an attorney to send the disputes in on their letterhead, it will be even more effective. it's your credit - you can do what you want. credit bureaus are NOT part of the government. they are simply private FOR-PROFIT companies. they deal with hundreds of millions of credit files and they always make mistakes.

Answer 3

If you lived in GA, we could help. But other than that, why don't you search for a "sub-prime" lender in your area and ask them to recommend a credit repair program or specialist. They will all have someone that they like to use.

Taking stabs in the dark to repair your credit could result in damaging your credit further. You will receive a lot of advice from well meaning individuals. Most of it will appear to be beneficial, but sometimes doing the right thing will still hurt your credit score. No one can tell you for certain how to fix your credit until they actually see your credit report.

Best of luck.

Answer 4

First things first, pay your current obligations on time. Be determined to never be late or miss a payment. Next, read the FCRA and FDCPA and make sure you're knowledgeable about terms like "debt validation" and "cease and desist". That is your primary means of getting collection agencies to leave you alone and remove old items.

Answer 5

i wish this allows you: step-by-step credit restore handbook low credit can frustrate your efforts at getting a credit. consequently ascertain you keep your credit record sparkling. If there are any blunders contained in the record, undertake credit restore to sparkling out any blunders. this may be tiring and tricky, yet extremely efficient. inspite of the indisputable fact that regulation recognizes and protects your rights, it is your duty to get rid of any anomalies in

Answer 6

There is a free step by step process that you could follow.

http://www.disputedemon.com/credit-score/improving_credit_score.html

Answer 7

Time passing while paying debts on time.
Time
Time
Time

Good Luck

Answer 8

pay your outstanding debt.