I'll do anything...
2007-05-26 12:14:46 · 8 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
Well, your credit history remains basically unchanged for 10 years. If you get and maintain credit accounts now it will show up as good credit history. If you have had a bankruptcy or collection accounts in the past, do your very best to re-build by getting a new credit card account and paying your balance off each month. You can also use buying a car as credit history as long as you keep it good. Everything you do now will have to remain good and better than good to get your credit score back up. Do not go for the scams that are out there about cleaning up your credit score. They take your money and do nothing for you that you cannot do for yourself. Read your credit report and be sure everything on it is correct and that all of the accounts shown are yours. Contact the credit bureaus if there is something incorrect on it. If your records are showing after 7 years contact them to have them dropped off of it. Some things will be there for 10 years but they can tell you which ones will have to stay that long.
Best of luck to your "golden" future!!
2007-05-26 12:22:40 · answer #1 · answered by phxmilitarymom 5 · 0⤊ 1⤋
Nope. Unless you're able to completely change your identity, which is both difficult to do and which also constitutes commercial fraud, you're stuck. Your credit history is nothing more than a text version of your reputation of a person who either does or does not pay his debts, and the only way to salvage it is to pay them or else live long enough so that everyone forgets about them. Bankruptcy stays on your record for ten years and is often not a practical alternative.
Good luck. Get good advice; start with your bank, who can refer you to an honest credit-counseling service.
2007-05-26 12:22:24 · answer #2 · answered by 2n2222 6 · 0⤊ 0⤋
Aside from CRIMINAL fraud, there is no way to wipe accurate information from your credit history. The older any piece of information is, the less affect it has on your credit. Get current on everything and stay current. If you do that for 3 or 4 years, no one will care about anything else. After 7 years, everything except bankruptcy can no longer be reported on you credit report.
2007-05-26 13:35:38 · answer #3 · answered by STEVEN F 7 · 0⤊ 0⤋
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2016-10-08 21:54:20 · answer #4 · answered by ? 4 · 0⤊ 0⤋
Work towards paying off the current credit cards. Any new ones you get, make small purchases that can be paid off at the end of the month and do it! By the time you get the old ones paid off, you will have outstanding credit.
2007-05-26 12:44:35 · answer #5 · answered by nancie_usa 5 · 0⤊ 0⤋
Only paying your bills on time.
2007-05-26 13:12:26 · answer #6 · answered by Cookie 3 · 0⤊ 0⤋
Yes with just one small little thing on your new one. Call it what you want I call it Bankcruptcy
2007-05-26 12:22:27 · answer #7 · answered by David C 2 · 0⤊ 1⤋
no, but you can improve it by paying things on time and paying off debts.
2007-05-26 12:18:48 · answer #8 · answered by ***cutie pie*** 2 · 0⤊ 0⤋