2007-06-02 05:10:26 · 6 answers · asked by cedric f 1 in Business & Finance ➔ Credit
If you want to clean up your credit history you need to do credit repair. That would be step number one. Once your credit scores are a little higher from that, I would recommend getting a credit card with a better rate than you have currently and then transfering your balances to the card with the better rate.
2007-06-02 06:43:36 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Applying for a loan in itself will lower your credit score by at least 5 points, and if your credit is already should we say not so good then the rates you will be paying on the loan will be outrageous. You would be much better off just paying your bills on time. Pay your cards down to 30% of your limit, start with the cards that are still open as you still have credit on those cards.
2007-06-02 05:36:18 · answer #2 · answered by Pengy 7 · 0⤊ 0⤋
Start by paying off old debts. If you have been turned down for something recently, you can get a free credit report. Look through this, and pay things off. That is your best option.
2007-06-02 05:22:37 · answer #3 · answered by Anonymous · 0⤊ 0⤋
How is a loan going to clean up your credit history? If you can't pay your current debts, this will just add another item that you can't pay.
2007-06-02 05:36:00 · answer #4 · answered by Judy 7 · 0⤊ 0⤋
You need to start repairing your credit history. I recommend going to http://www.creditbud.com and you can get experts to repair your credit. And you can apply for loans and get approved in minutes too with bad or no credit. I hope that helps.
2007-06-02 06:57:32 · answer #5 · answered by Anonymous · 0⤊ 1⤋
Below link will certainly help you.
2007-06-03 04:58:35 · answer #6 · answered by Anonymous · 0⤊ 0⤋