is there someone I can hire to do it for me- I know there are 3 different companies involved with credit-is there someone who would get a total of everything owed and put it in one bill.
2007-03-05 15:38:15 · 7 answers · asked by cassiepiehoney 6 in Business & Finance ➔ Credit
In order to build up credit and establish a good credit, you must show a number of stabilizing attributes. Most notably, your report must prove to the lender that he will get his money back. Here are some suggestions:
OPEN A BANK ACCOUNT
Open a bank account and use it responsibly. This is the first step in establishing a financial history.
CO-SIGN
One way is to piggy-back onto someone who already has a good credit history established and is willing to co-sign. Once the co-signing has occurred, you simply make payments on or before the due date. In time you will have established a credit history.
SECURED CREDIT CARD
Apply for a credit card. Shop around and only apply for a card if you can meet the lender's requirements. Responsible use (spending within your budget and paying your bill on time) will help you build a good credit history.
DEPARTMENT AND GASOLINE CREDIT CARDS
Since gasoline credit cards are not revolving (cannot carry a balance forward month-to-month), often they are easier to obtain than regular credit cards. Similarly, some department stores offer revolving credit for a specific purchase and this is sometimes easier to establish. It is also a great way to establish credit.
This website can be very useful for you:
http://www.howtoestablishgoodcredit.com/Credit_Articles/index.php?page=1&category=7
2007-03-08 06:30:49 · answer #1 · answered by Anonymous · 0⤊ 0⤋
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.
2007-03-06 07:05:59 · answer #2 · answered by Anonymous · 0⤊ 0⤋
get your credit report at www.annualcreditreport.com if there's bad stuff or wrong stuff just dispute it. the credit bureaus (each of them) must be contacted with the dispute and they will "verify" the validity. they have a set amt of time to verify the facts and report back otherwise the law says they must delete it. I think the credit fix places just dispute the bad stuff if it's true or not to get it off your credit.
2007-03-06 00:20:31 · answer #3 · answered by tryinthis2 4 · 0⤊ 0⤋
I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you.
2007-03-06 03:17:49 · answer #4 · answered by Anonymous · 0⤊ 0⤋
I use CDS. They are very helpful.
http://www.counselfordebtsolutions.org
Really, the only way to fix credit is get payments back on track and time. There are no magic fixes.
2007-03-05 23:49:44 · answer #5 · answered by Cotton 3 · 0⤊ 0⤋
The following link is an article on how to rebuild your credit after bankruptcy, how to consolidate your debts etc...
2007-03-05 23:52:13 · answer #6 · answered by Cathy V 2 · 0⤊ 0⤋
Yes there is. You can do what they call debt consolidation. They take everything and add it up to one monthly payment.
2007-03-05 23:47:54 · answer #7 · answered by Anthony L 3 · 0⤊ 0⤋