can i get my credit repaired?

Answer 1

Pay all of your bills on time. Do it for about three years, and your credit score will improve.

Answer 2

=======================================
The TRUTH About Credit Repair...

-by Terry Price

(C) Copyright Terry Price
All Rights Reserved

http://gaby1221.niesong.hop.clickbank.net
=======================================

Have you ever wondered what companies
send you when they claim you can erase
bad credit overnight? How about those
ads that say you can get any major
credit
card without a deposit or a credit
check?

Ads abound almost everywhere
these days (online and off) selling
books, systems and secrets to
help you fix your credit. Many
of these programs have claims
which read like the covers of
supermarket tabloids:

"In 3hrs my credit score jumped
from 580 to 676!"...

"Erase bad credit and smash your
debts with just 2 Magic Letters!".

Are these types of claims ALWAYS
too good to be true? The answer is
"Yes and... no".

While many people would love for
you to believe the only thing that
can fix bad credit is time; in
reality... nothing could be further
from the truth. The fact is, time
is only one factor which can fix
a credit report, but it's a far cry
from being the only factor. How
can I back this up? Easy.

Under a consumer protection law
known as the Fair Credit Reporting
Act (a.k.a. the FCRA) the only
negative information which can
remain on your credit report is
not what is accurate... but what
can be proved as accurate under
the FCRA. What's this mean
to you?

It means any negative item on
your credit report can only remain
there if it is accurate and CAN
BE PROVED AS SUCH under the
guidelines of the FCRA. This
undisputable fact presents
consumers with both good
news and bad news.

The good news is that through
the FCRA your credit score can
most likely be improved dramatically
in a very short period of time with
only a modest amount of effort on
your part.

The bad news is that while the
actual "work" will take very little
of your time, it is vital that you
have good information on "how"
to go about it. This is the bad
news; 9 out of 10 courses on
restoring your credit will do nothing
more than lead you into snake
pits because they will provide
you with what the industry refers
to as "Boiler Plate" dispute letters.
These are nothing more than form
letters and... quite frankly (more
bad news) the Credit Bureaus and
Creditors will laugh at you if you
try to use them.

While I agree with the Federal Trade
Commission (FTC) that "Anything a
Credit Repair Clinic can do for you
legally, you can do for yourself at
little or not cost"... the key element
you need for success is the latest
inside techniques and procedures
to get the results you want. This
involves strategies such as "Proof
of Contract", "Constructive Notice",
"Challenge of Procedure" or
"Restrictive Endorsement" and many
others.

All these terms may "sound" impressive
but they are really quite simple. In
the
end, it is nothing more than a method
of communication which exercises your
consumer protection rights, gets the
results you want and raises your credit
score. Even more impressive, once you
learn how simple it can be by doing it
for
yourself, you will find there is a
fortune
to be made doing it for others! Either
way, it all starts by requesting a free
copy of your credit report here:

http://www.AnnualCreditReport.com

In the next segment we'll talk about:

"Is Your Credit Score Costing
You A Fortune?"

=======================================
Terry Price is the founder of Consumer
Education Group which publishes the
Credit Secrets Bible (in print since
1994).

For more information on the CREDIT
SECRETS BIBLE you may visit:

http://gaby1221.niesong.hop.clickbank.net
=======================================

Yes you can do it and much better, by yourself !!!

Answer 3

you can always get your credit repaired depending upon what you have negative on your credit it will take some time just keep your chin up and keep working and apply for a small loan credit unions are easier than branch banks as well once that is done and paid for see abut getting a credit card from like first premier or capitol one they have small lines at first but it will help get things rolling in the right direction to get bigger ones etc, also you could buy a car thru a place like drive time or somewhere similar to build credit a too so hope that helps good luck

Answer 4

If you cancel your card, you'll be hurting your credit ratio.

You want to deliberately keep your oldest credit card open, even if you never use it.

You want to always pay the minimums of each loan on time every month.

You want to keep your available credit high, but actually only have balances equalinig 25% or less.

You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.

You do these things and your credit score will quickly soar into the 700s.


----------------------------------
http://www.bestcreditrates.net

Answer 5

Yes, but not by credit repair companies. They can not legally do anything to your credit report. They charge a lot of money just to write a letter to dispute any false info on your report. You can do that yourself.

Answer 6

Yes, but it takes time...the best way I know of is to pay your normal bills on time, and get rid of the credit cards first...then, maybe a year down the line, take out a teeny short term loan, and pay that on time. It does take time tho...build up yourscore over time.

You can try councelling agencies, but sometimes they help, sometimes not

Answer 7

Yes. You can. Everyone can. However, if you continue to do the things that caused bad credit, you will not create a better report.

Answer 8

If you want it done right, use this company. I did. They worked. My score went from the high 400's to the mid 600's in less than six months. What more can I say. They gave me a fresh start.

http://www.nwbusinessadvisors.com

Answer 9

yes, pay all of your old and new bills.