Where can i get help to fix my credit for cheap? i dont make a lot of money and i have bad credit and i need help to fix it i have 2 school loans that the payments are way to high...is there a loan or some creditor that can help me?
2007-09-24 08:08:11 · 5 answers · asked by reyespac16 1 in Business & Finance ➔ Credit
Where can i get help to fix my credit for cheap? i dont make a lot of money and i have bad credit and i need help to fix it i have 2 school loans that the payments are way to high...is there a loan or some creditor that can help me?
oh and most important i dont owe a home...so no mortgage broker answers please
2007-09-24 08:10:39 · update #1
The only way to "fix" bad credit is to have good credit behavior and that takes time. Don't by into the ads that say they can fix it for you - they can't. Your credit history is what it is - no changing it (unless it is inaccurate). Sorry - I wish there was a better answer for you.
Best thing to do is from this point forward - DON'T use credit and pay all your bills on time. (Don't buy into the get a card to use and pay off to "build" your score).
Good luck!
2007-09-24 08:15:14 · answer #1 · answered by Bill S 3 · 0⤊ 0⤋
You don't need anyone to help you, you can do it all yourself. Just pay all your bills on time, get a copy of your credit reports, dispute everything negative, and if you cannot afford your bills pay the ones that have the highest interest and the ones that might go to the collection agency. Call all the people you owe money to and see if you can settle for less.
2007-09-24 08:18:42 · answer #2 · answered by E M 3 · 0⤊ 0⤋
Consumer Credit Consuling they are free.
2007-09-24 08:17:48 · answer #3 · answered by Questioner 3 · 0⤊ 0⤋
http://www.nfcc.org/ Consumer Credit Counseling Service (CCCS), a legit non-profit company offering free credit counseling. They can look at your finances and advise you how to proceed.
2007-09-24 08:16:34 · answer #4 · answered by bdancer222 7 · 0⤊ 0⤋
You don't need another loan and you don't need "someone" to fix you ( I said "you").
You need a written budget. You need fiscal discipline. You need to fix it. Don't expect anyone else to fix your problems.
2007-09-24 08:18:07 · answer #5 · answered by Anonymous · 0⤊ 0⤋
www.creditinfocenter.com and watch out for credit counselors, I have been screwed and wouldn't do it again
unless they had an office in my hometown.
2007-09-24 08:14:14 · answer #6 · answered by Anonymous · 0⤊ 0⤋
may be you need a partime job.
A small student loan consolidation with low interest is the best I found interesting information about your answer & options here. http://all-debt-consolidation-loan.blogspot.com/2007/07/loan-consolidation.html Good luck!
2007-09-25 06:07:48 · answer #7 · answered by Anonymous · 0⤊ 0⤋