what's the best way to straighten your credit?

Answer 1

pay your bills on time, keep your balances at 50% of their limits, don't open or close new accounts.
The fastest way is to have someone add you as an authorized user on an established account with good history. You don't need to qualify for the account, and there is no credit check, but you get the entire history reported on your credit card like you had it the whole time!

Answer 2

Also there are nice apartments that don't require a credit score, find those in your area so at least you can have your own place in the meantime!! Also, my finace's credit wasn't bad, jus didn't have a lot of it, which sounds like that might be your case, the mortgage person we were working with suggested getting a secured credit card (I think that is what it was called) rather than just a credit card as this will improve your credit score faster. You get them from a bank and what it is is a credit card, but you give them the money towards it first, so say you give them $500., then you have a $500. credit line, and then you use it and pay it off right away, so like for gas a few times a month or whatever. These really boost your credit score!! Good luck to you and hope this helped some!!

Answer 3

If you have more than like 4 or 5 credit cards you should get rid of them, after you pay them off, of course. You can also apply for a consolodation loan to make it more manageable to pay your debt. This will combine multiple debts into one. Try a bank, or better yet, a credit union.

If you can sell some assets like an automobile that you don't really need this could free up a significant amount of money, especially if you got really crappy terms on the loan (like a high interest rate). And finally, after you eliminate unnecessary credit and charge cards, make small charges on them on a regular basis but pay them off every month before interest accrues. These things will demonstrate to the credit bureaus that you are a good credit risk, as opposed to a bad credit risk.

Answer 4

All negative items on your credit report have to be removed after 7 years, except judgments and bankruptcy, which remain for 10. As the information ages, it becomes less important as well, and has less negative effects. In the short run, get a deposit style credit card, pay each month on time. It reports as if it is a revolving credit card. The larger your deposit, the larger the credit limit shows on your report. Never borrow more than 50% of your available credit on this deposit-style card. Within 24 months other regular revolving cards will become available.

Answer 5

If you are talking about removing negative credit, you first must pay all outstanding balances on all accounts. Once you do that, any negative information that is yours will stay on your credit report for 7 years from the date of last activity. If something is on your credit report that you know is not yours, you can dispute it thru the credit reporting agency that has the error. There are three credit reporting agencies, Equifax, Experian, and TransUnion. Also, be sure not to apply for a lot of credit at once. Inquiries stay on your credit report for two years. A lot of them will lower your credit score.

Answer 6

First - get a copy of your credit report from all three bureaus - Experian, Transunion and Equifax You are entitled to one free report from each company in a 12 month period.

Carefully check all the records they have for you and make sure you have any errors corrected.

Pay you bills on time!

If you have a credit card, pay off the balance every month.

Answer 7

The Credit Repair System consists of methods that provide relief to various debtors. It consists of number of steps that help you get over your debt, while reestablishing your financial situation. If you have bad credit, you may be aware of the denigrating looks given by the people, making it embarrassing for you. But the truth is everybody experiences bad times, but few are able to overcome the problems faster than the others. Many people, including rich have applied for bankruptcy. So remember you are not unique. Use the steps outlined below to get out of your financial mess.

Answer 8

1. Pay your bills on time.
2. Don't sign up for any consumer credit counseling - lowers your score even if they tell you otherwise.
3. Get a secured credit card (that is if you can't get a regular credit card). Charge it up to 70% of its maximum and pay it off every month.

Answer 9

pay off your credit card bills and other bills, and then take a pair of scissors and cut your credit cards up because they are unecessary evils.

Answer 10

stop using credit cards and stop spending and start saving start using generic brands and use coupons also attempt to stay at home more to save on gas.

anything helps

Good Luck!