how can i clear my bad credit rating?

Question

i have bad credit for a long time and i am wanting to get back on my feet where do i start

Answer 1

Invent a time machine....

God these questions are so easy ....next!!!

Tally " where are my girls" Ho!!!!!!

Answer 2

Without details, it's hard to know what problems you are having specifically...here is my advice:
1. Pull your credit report from all three bureaus (TransUnion, Equifax and Experian).
2. Go over the report and look for errors.
3. Also look at your account history. Figure out which ones are collections, charge-offs, etc.
4. Look at your current accounts and see how many late payments you've made in the past couple years.
5. Clear up the collections and charge-offs. Make payment arrangements, settle or pay the balance in full.
6. Start making on-time payments with your other accounts. If you are financially stretched, call those companies and try to make arrangements for partial payment for a period of time or something like that.

I hope that helps! Email me if you have any further questions...I'm a certified credit counselor.

Answer 3

Pretty sure that you might find many financial answer at: loandirectory.info-

RE How can i clear my bad credit rating?

i have bad credit for a long time and i am wanting to get back on my feet where do i start

Answer 4

Ok first step is to obtain your credit report and find out what is causing your bad credit, you can obtain your report from http://www.experian.co.uk/ if you are in a lot of debt then maybe you could try contacting www.cccs.co.uk they are the consumer credit counciling service and they will help organising your monthly outgoings into one monthly payment and can usually reduce your debt considerably. With all bills being paid on time, make sure that you dont go over your overdraught and dont borrow more than you can afford and try to save a little money each month so that your balance gradually increases over time. The important thing is simply to avoid borrowing unless absolutely nessecary and avoid expensive bank charges through late payments or bounced cheques/direct debits. Also if you have a history of bank charges you may find that under a change in the law (UK) you arer able to claim back a portion of the charges you have paid over the last SIX YEARS! http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632, gives you a six step method to reclaim your money!

Answer 5

I'm certain that you might find many financial solution at= loaninstantsolutions.us-

RE How can i clear my bad credit rating?

i have bad credit for a long time and i am wanting to get back on my feet where do i start

Answer 6

get a bad credit loan..

Before applying for a bad credit loans, there are some things you should first take into account. The only eligibility for the bad credit loan is poor credit history. To enhance your credit score, ensure that the details of your loans are sent to major credit bureaus.

Getting a lender offering a bad credit loan is easy as there are many people with bad credit problems. But due to good job or additional income sources, they can make timely payments, yet their credit ratings remain poor. Nowadays, many lenders are offering good deals to such people but with a higher interest rate. This is because lenders view the bad credit loans

Answer 7

Bank people are smart.they are earning more by introducing creditcards.

you may swipe the card for 1000 bugs but you will pay more than that.

If you have creditcard in your hand you can't save money for future.
so first try to close credit card one by one.
have only one card for urgent use.

i am also suffered alot.for that what i did i will explain you.
I had 3 cards..
HSBC,SBI,CITIBANK
all the cards are full.

I paid 1000 intrest plus some amount every month..

i calculated for 12 months it comes arround 12000
but i i pay this my credit won't go low..

so i took personal loan with less intrest amount.the total intrest for the amount comes arround 5000. (see the difference is 7000)
1 year i have to pay some emi to close the loan.
at the year end you won't have any amount.
but in credit card if you pay the minimum due at the year end your credit balance will be more.

so get one personal loan close your cards.
you can save money and you will be peace ful in future.
say bye to credit card..

i am happy i close 3 cards and paying money to loan.and i feel happy when my loan amount is decreasing..
all the best

Answer 8

"If you have a bad credit record, check the reason for this report. If the reason is due to late or non-payment on your behalf then, start making the payments to the lender and clear off the debts quickly.

Dont make late payments. If you are not in a position to pay due to shortage of money then limit your spending.

Paying off your huge debt in small amounts."

Answer 9

I am Mr William Smith of Alan Loan Company.We goverment approved and certified lenders.Our company do offer loans ranging from personal to industrial loans to interested persons or companies who are seeking financial aid at a negotiable interest rates sometimes as low as 5%.Why should you die insilence when you have an opportuinity to clear your dept,start or boost your business with a loan from our company.so apply for a loan now.
Interested persons should contact us via this email addresses; [e-mail] or [e-mail] for more information.

Answer 10

I have listed a free consumer resource below that contains information from the Federal Trade Commission on the best steps to repair your credit.

Answer 11

If you're anything like my sister you're hopeless with finances. Just wait six years like she did, then your credit rating go'es back up. Though she got herself pickled again! My advice for her (and you) live within your means, and pay your bills.