How long would it take to repair credit?

Question

I don't have a bankruptcy or a repo but I have two credit card i've been ignoring I decided to get a second job to pay them off I think between the two I owe 3k. I also have a car payment for three more years on an 07 impala for 16k but I 'm current on that and I'm on a lease for a house and I 'm current on that two both my car and my house I'm not bad on just those to credit cards.

How long do you think it would take for me to repair my credit after I start paying the card companies again.

Answer 1

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Phone [phone]  Fax [phone]

E-Mail [e-mail]



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Answer 2

Well it could take as long as you want to repair your credit. I have seen many programs go by and come and their all garbage. I repaired my credit score around a couple of months, all by myself for free. I just researched like crazy under government sites and all that stuff. Because all the information is free, I put it all together in a free eBook I am giving away. I want to help people the free way.

You can get the free eBook at http://www.freecreditprovide.com

Answer 3

here are some companies that can help you reapir your  credit:

http://credit-reporting.flyairfares.com/...

Answer 4

1. Order your credit reports from the 3 bureaus

www.equifax.com

www.experian.com

www.transunion.com

If you're ordering for the first time, get your score (for a fee) from Equifax as their scoring matters most.

2. Make copies of your report and put the originals in a binder. On the photocopied reports use a highlighter and check for any incorrect, outdate, false, etc...info

3. Download a dispute letter(s) from the credit bureaus website and list anything that is wrong. Mail them to their office(s). They have 30 days to reply.

4. If they will not remove something that is not yours or too old (> 7 years) as them for a debt validation. This may take an additional 30 days.

5. Once the 'baddies' come off, take care not to let any of your other accounts fall into that predicament.

6. If you haven't already make sure your existing accounts are current and paid on time ALWAYS.

7. Get a secured credit card with www.capitalone.com or www.mastercard.com for like $500-1000 or more if you can and use it sparingly. Charge like $50 on the card each month and pay it in FULL and on TIME. Make sure you do this for a minimum of 6 months so that you estabish a positive repayment history.

8. Problem with just letting them (collections) 'fall off' is that they may never. You may get sued before that...that's where you suddenly get a summons to appear in court and a judgment for collection against you.

For collection items...pay them but get a 'pay for delete' from the collection agency in WRITING...they'll delete it after you pay and it will help your credit score.

Answer 5

You can use credit repair agency to fix your credit - for example this one - http://creditreport.undonet.com - They can clean lots of bad stuff from your credit report - and do it much faster than yourself, so your credit will go up fast.

Answer 6

To raise your credit score you need to do two things:

1 - add positive things to your credit records.  Such as paying your bills on time!

2 - Remove negative things from your records.  These may be mistakes made by the credit report companies or bills you haven’t paid!

If your problems aren’t too bad or too complicated than you can do this yourself.  This review site gives you e-books to explain the process and guide you through it:

<>http://www.onlinebestinformation.com/cre...

if your problem is complex - or you just don’t have the time or patience to do it yourself then you will want to use a credit repair company.  This review site will guide you to the three best companies to use:

<>http://www.onlinebestinformation.com/cre...

Good Luck!

Answer 7

My little brother has been in this position before and it takes seven years to start again.

Answer 8

First off, congrats on getting a 2nd job to pay those off.  It's better than ignoring them alltogether and having a judgement or having a settlement on your credit.

Pay them off as soon as possible.  Unfortunately the late payments will affect your credit for 7 years, but the most recent 2 years affect your score the most.  Pay those off, and your debt ratio will improve.  Then, you can get a card with a small limit and keep it at no more than 35% of the available limit, paying it every month.  

Also, I'd advise to keep the 2nd job for as long as you can to build a good savings while you are at it.  You can never have too much money!  :)

Good luck.