how do i bring my credit score up if i got bad debt?

Answer 1

I can see by the answers above that you are getting some confusing and sometimes conflicting answers. Some are good and some are merely promoting their business. Here are the facts:

You can remove ANY information from your credit report that you want gone. It isn't easy. It isn't a substitute for poor credit management. It is a way to learn from your past mistakes and give yourself a second chance.

You can do it yourself or you can hire a professional to do it for you. It is like repairing your car, if you know how to do it yourself, then it makes sense to save your money and do it. If you don't know how to do it yourself, then you go to a mechanic and pay him/her to do it for you. The same is true with credit restoration. But it is important to do your due dilligence. There are scam artists out there. There are VERY few legitimately licensed, insured and bonded credit restoration PROFESSIONALS. Most people doing credit repair have purchased a do it yourself book from the internet and now think they know how to manipulate the 340 different laws in the FCRA to repair credit. The fact is, you need professionals to do it right.

So how do you know who is a professional versus others. Here is how: http://EzineArticles.com/?id=446559 (read the article and learn).

Check with the BBB: here is an example of a business that I would not recommend: http://www.saltlakecity.bbb.org/commonreport.html?bid=2000829

Here is an example of a business I would recommend: http://www.thebbb.org/commonreport.html?bid=39000730

The sheer number of complaints against the first company tells me that something is wrong with their customer service and satisfaction. I am not saying they can't do what they claim, I am saying that one has to really think before using a company that will not address a client's concerns until they feel the need to report them to the BBB.

Once you have cleaned up your credit, you are responsible for proper credit management. This involves both passive and active management. Passive is paying your bills on time, not living outside of your means, etc. Active is checking your credit reports every three or four months to verify that all the information is accurate and yours. Disputing anything that is not accurate and getting rid of the clutter that is bringing down your score. To find out what I mean by clutter please read this article: http://creditconcerns.blogspot.com/ (read and learn).

If you have any further questions regarding this process, please feel free to email me at [e-mail]

Answer 2

The experienced credit repair service provider is knowledgeable of the system and how this works and they can help you work on your advantage. There are several bad advices that concern the DIY credit repair and when you do this, you may end up in a situation that is worse than what you are currently facing. Thus, it is best that you go for expert credit repair services in order to find the right solutions to this issue. One of the biggest advantages of using a credit repair services that you can work with a company that knows how to repair credit. When individuals try to repair their own credit score, there is a good chance that they do not know exactly what they are doing. By contracting with a professional agency, you know that they are going to know how to repair a credit score effectively. Many times, these agencies can significantly increase your credit score within a very short period of time.

Answer 3

Invest in a secured credit card. A secured credit card is like a bank account where you put the money on the card, then spend only the amount you've invested. After the money is spent from the card, pay it back within the alloted period, usually 28 days.
This takes discipline but it works.
See the web-site for Orchard Bank. Also see bankrate dot com.

Answer 4

Try and find out what companies you owe. And pay them off. Contact Experian,Equfax, and Trans union, These will HELP YOU set things in Motion to a better credit score. Good Luck

Answer 5

there are bad credit credit cards like premier and legacy and orchard thats a start

Answer 6

Start paying ALL your bills on time