Where am i going to find a place to fix my credit report??

Question

my credit score is hitting rock bottom and i need some help now!

Answer 1

try gofreecredit they will help you fix credit report more info visit

http://hubpages.com/hub/Free-Credit-Repo...

Answer 2

No one can actually "fix" a credit report.  If there are inaccuracies, you can contest them.  If there's a good back story to explain something, you can submit a letter of explanation.  But that's it.  If the information is accurate, it's there to stay - for 7 years.  You can't change that and neither can a credit repair service.  They can, however, take your money and rip you off.

Answer 3

Do you still need help??are you from south africa??

Answer 4

1.) Pay your bills on time.

Delinquent payments and collections can have a major negative impact on your FICO score.

2.) If you have missed payments, get current and stay current.

The longer you pay your bills on time, the better your credit score.

Be aware that paying off a collection account will not remove it from your credit report.  It will stay on your report for seven years.

3.) If you are having trouble making ends meet, contact your creditors or see a legitimate credit counselor.

This won't improve your credit score immediately, but if you can begin to manage your credit and pay on time, your score will get better over time.

4.) Pay off debt rather than moving it around.

The most effective way to improve your credit score in this area is by paying down your revolving credit. In fact, owing the same amount but having fewer open accounts may lower your score.

5.)  Re-establish your credit history if you have had problems.

Opening new accounts responsibly and paying them off on time will raise your credit score in the long term.

6.)  Note that it's OK to request and check your own credit report.

This won't affect your score, as long as you order your credit report directly from the credit reporting agency or through an organization authorized to provide credit reports to consumers.

7.)  Apply for and open new credit accounts only as needed.

Don't open accounts just to have a better credit mix - it probably won't raise your credit score.

8.) Have credit cards - but manage them responsibly.

In general, having credit cards and installment loans (and paying timely payments) will raise your credit score. Someone with no credit cards, for example, tends to be higher risk than someone who has managed credit cards responsibly.

9.) Note that closing an account doesn't make it go away.

A closed account will still show up on your credit report, and may be considered by the score.

And most importantly, don't give up.  You're credit score can and will always improve as long as you handle your debts responsibly.