I have a 547 credit score. How could i get to 610 in 1 year/?

Question

Hi

I am 24 and I have a 547 credit score. I am about to get married in a year to someone who has a credit score of 680. She has challenged me to improve my credit to at lease a 600 at the time of the wedding, If i do then our honeymoon will be at a location of my choosing. So i have decided to take the challenge. Ok. I have $2855 worth of debt on my report right now. That amount is the sum of 9 collection accounts. I have 4 paid collection accounts and 1 account thats current. Someone please give me some hope, im a southern kid living in California, and i really want to go to San Juan next summer. lol..thanks in advance

Answer 1

check out this site, http://www.cellsware.info/restorecredit . i believe they would be able to help you boost your score by about 10 to 15 points a week!

Answer 2

You could definitely be debt free by that time, which would definitely raise your score. The main thing you need to do is STOP OPENING NEW ACCOUNTS. When someone offers you a card and you can save 5% don't ever, ever do it. Besides it being a trap for you to spend more, it lowers your score when people check your credit, and it lowers it if you have a bunch of accounts.  Get a job if you don't already have one, make a budget, and budget as much as you can to pay down your debt (and stick with it). Pay the minimum balances on everything except the account with the lowest balance; put the rest of what you have in there till it's gone, and then keep doing that on your remaining balances until there are none left. If you are debt free and don't have any more delinquent accounts in a year you should be above 600.

First though, you need to call the accounts that aren't current and set up payment with them.

Answer 3

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

Answer 4

Hi,

I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:

http://urlvi.be/bsuqv