If someone just paid off all their bills and debts how do fix your credit if it still shows up as bad credit?

Question

Can a lawyer help?

Need more answers,Please!!!

Answer 1

I believe it takes some time before it actually show up in your credit score.

Answer 2

Bad debt will stay on your credit report for 7 years. The fact that you paid them is better for your credit score than if they were still unpaid. But the fact is that it's your lack of financial responsibility that created the problem. You will just have to prove you are creditworthy now.

Pay all your current bills on time. It may take a couple years but the older the negatives, the less impact they have on your score.

Answer 3

The truth is that accounts show on your credit for 7-years weather you pay them off or not.

The only thing that will change is that they will show as "Paid $0 balance".

Credit repair companies are rip-offs. Nobody can remove anything from your credit report if the information is correct.

Answer 4

forget the lawyer & do it yourself. you'll be saving a lot of money. first get a copy of your credit report. go to the equifax link at https://efppublishers.com/About_Us.html
then review it & dispute what isn't correct & update it with the right information. depending on your situtation, you're score will increase. good luck.

Answer 5

no lawyers are needed in the world of credit unless you have a pending judgment or you are going through the initial phases of a bankruptcy....you let me clean it up for you... i can have all of your paid accounts moved to payed accounts which will boost your score... not to mention add trade-lines if needed anything that's old reporting incorrectly showing up twice i can get off for you call me @ 323 632 3680 only if you really want my services